If the neighbors had a Texas standard personal auto policy on the car, there is no exclusion in it for leaving the keys in the car. Therefore, if someone is telling you that their leaving the keys in the car lets their insurer off the hook, he or she is either deliberately misleading you or is simply ignorant of the policy provisions and Texas auto insurance law.
In any event, I would not take "no" for an answer from either the neighbors or their insurer. I would promptly consult an Amarillo personal inury plaintiffs' lawyer about suing the neighbors if they and/or their insurer refuse to pay the reasonable cost of repair of the house.
Your daughter needs to contact her insurance company ASAP, who will in turn go after the neighbors auto insurance. The deductible amount will be taken out of the full cost of the repairs, so she needs to concentrate on getting her house fixed now and worry about paying the deductible later.
DISCLAIMER: David J. McCormick is licensed to practice law in the State of Wisconsin and this answer is being provided for informational purposes only because the laws of your jurisdiction may differ. This answer based on general legal principles and is not intended for the purpose of providing specific legal advice or opinions. Under no circumstances does this answer constitute the establishment of an attorney-client relationship.
It seems like a lot of hogwash. The neighbor's insurance company is on the hook to compensate the injured parties. Key on or off is immaterial to the plaintiffs. Hire a PI lawyer from AVVO that works in Amarillo right away. And, your neighbor should hire their own lawyer to sue their insurance company if they do not pay. Best of luck.
This answer is provided by Manuel A. Juarez, Esq., El Abogado de Accidentes de Autos de California: 510-206-4492. El Abogado de Accidentes de Autos provides answers of a general context. These answers are not intended to form an attorney client relationship. El abogado de Accidentes de Autos y Lesiones Personales is licensed only in California. This information is good only in California and it is not to be taken as legal advice on car accidents, personal injury, divorce, bankruptcy or in any other type of situation. Esta respuesta es del Abogado de Accidentes de Autos y Lesiones Personales de Acidentes de carros, Manuel A. Juárez, 510-206-4492. Abogado Hispano de Accidentes, Divorcios, Abogado Latino de Accidentes, y Abogado de Acidentes de Oakland, Hayward, San Francisco, y California. Estas respuesta son solo para información general y no consisten en consejo legal sobre divorcios, mantención de esposas, mantención de hijos o bancarrotas. Las respuestas son comentarios legales que no forman una relación de abogado y cliente. Manuel Juarez, Esq., esta licenciado solo en el Estado de California.