Yes, you would still be covered by their insurance since the driver has auto insurance. You would sue the driver of the car and the owners. If the owners are the parents, you have to allege that the parents had responsibility for the vehicle and allowed the child to use the vehicle with their permission. It can get complicated so you might be best served by considering hiring an attorney to represent you. if you sue the wrong person, it could affect your ability to recover later on.
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You should take a copy of the police accident report and contact an attorney in your area who specializes in this type of action. Best of luck to you.
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