Someone I know was involved in a car accident in MD, this person was the driver. The occupant of the car is now suing the driver. Severity and whether injuries were due from accident are questionable. The driver was not the owner of the car, but the adult child of the owner, and on the owner's auto insurance policy. Is the owner of the vehicle liable to the occupant? What should the driver do? Will the driver's insurance company provide a lawyer, etc?