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If the permitted driver was issued a violation then they are clearly At Fault. The insurer of the vehicle he is driving has the primary liability, no fault states have special rules for the recovery of damages. If there is no insurance then the title holder of the vehicle the premitted driver was driving is liable, they may be able to recover from the minors parents.

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Q: If an underage driver with a permit wrecks another person's car whose insurance is responsible?
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