In most instances, determining the ownership of a vehicle in an accident is a relatively straightforward inquiry. One can look at title and registration materials and determine who is on the official paperwork for the vehicle. But what happens when an automobile is being transferred from one person’s ownership to another person’s ownership when an accident occurs? Thankfully, Georgia law specifies the precise time when the ownership of a vehicle transfers, and this can be used to assist with questions of liability and insurance after an accident. A recent case decided by the Georgia Court of Appeals explains how such determinations are made.
In Selective Insurance Company of America v. Conner et al., a dispute arose regarding the ownership of an Xterra that was involved in an accident in Georgia. Ms. Conner had an accident with Ms. Craig, and Ms. Craig’s husband was killed. Although the case involved numerous factual disputes, solely before the court in this instance was the question of whether Ms. Conner owned the Xterra at the time of the accident, and accordingly who was charged with insuring the damages that resulted from the accident. On the morning of the accident, Ms. Conner went to the DMV in Georgia and filled out the necessary paperwork to transfer the title of the vehicle from a different party, Precision Tapping, to her own name. She completed the paperwork and paid for the transfer. However, it was only six days later that she received the new title for the Xterra. In the meantime, the accident occurred.