Recently I involved in a car accident caused by a commercial vehicle, driven by an unlicensed driver, who is on business trip. He was ticketed for the accident, and I have no fault on police report. My car didn't has collision coverage. Their car is insured under commercial category. Now their insurance denied our claim ( citied, his name isn't under their policy). Other than suing the driver and his company, any chance we can sue their insurance company for the property lose, what's NY state's law for insurance's liability applicable in this case.
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