Your facts don't suggest why the carrier would deny. Have you given the carrier timely notice? If they deny, bankruptcy is an option.
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I agree with Mr. Adams. If you gave the other person permission to drive the vehicle, it may be covered. Don't worry just yet. Wait to see what the insurance carrier has to say.
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Report the accident to your insurance company, and they will likely cover it, but if not, a local insurance attorney can be retained.
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