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In many states the owner is faced with the lawsuit, however your insurnace company should take care of it, regardless of fault, depending on your coverage. But if you have liablility only it would normally cover any lawsuits.

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Q: What happens to the owner of a vehicle where the vehicle is involved in an accident by a family member that registered and insured the vehicle and that member is being sued can you be sued also?
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What happens to your teenagers drivers license if they are in a car accident that is their fault in Indiana?

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