The other party claims injury over the 100,000/300,000 insurance coverage in the accident. The daughter is listed as a driver on the policy and was over 18 yrs old at the time of the accident. She was partially at fault and was sited at the accident. The other party took a year to send letter of intent to sue for damages. Claimed back injury and loss of job ,etc. however she was in SUV without a lot of outward damage and said she was ok, walking around ,and wanted to get to work after the accident.). .
Notify your insurer and demand a defense and indemnity. Follow the notice provisions in the policy. If you are sued, the insurer should defend you. Likewise, your daughter will also need to give the insurer proper notice demanding defense and indemnity. If the insurer sends a reservation of rights letter, you'll need personal coverage counsel. Good luck.
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Turn this over to your insurance carrier immediately if you have not done so already.
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The answer depends on a number of factors, depending upon the place of the accident, who owns the car etc. You should immediately turn this matter over to your automobile liability insurance carrier and cooperate with their investigation. If suit papers are filed, they need to be turned over to the insurance carrier immediately. Your insurance carrier can provide you with further information.
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Policy holder is only personally liable for his or her negligence. Thus, unless father negligently entrusted the vehicle to his daughter there should be no liability exposure to the father. Daughter is exposed for her negligence if the damages exceed $100,000. Youu need to get this to your insurance carrier without delay so they can defend you on the suit.
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