I and a passenger were driving down a residential street going the speed limit and a car pulled out, front first, of their driveway and I hit them. They pulled out last minute and because the street was lined with parked cars I couldn't see him coming into traffic. I braked but couldn't stop in time and hit his front bumper before the wheel. Whose fault is it? Also I was driving the car but I'm not the cars owner, the owner was in the passengers seat. Whose insurance would be used?
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