The owner of a car is often responsible for damages caused by somebody who drove the car negligently. It might be worthwhile to sue. Once you get a judgment against the owner and driver, you can collect on the judgment for 10 years and renew it for another 10 years. Good luck.
[In accordance with the Avvo community guidelines, this communication does not constitute "legal advice", nor does it form an attorney-client relationship.]
There are a variety of ways to hold a vehicle owner responsible for damage a permissive driver caused - the insurance requirement is not one of them. Family car doctrine, negligent entrustment . . . All very fact-specific. You will need to consult with an attorney.
The answer above is not legal advice, and I'm not your lawyer. At best, it's a hint in the right direction. Reliable legal advice comes from an attorney licensed in your state who has all the necessary information and time to form an opinion, and that usually requires an in-person consultation, which you can often obtain for free with no obligation. Don't be shy - attorneys are people, too - call one.
I think I answered this question under the PI Category, this answer would apply here as well:
Your question raises several questions: Do you have uninsured motorists coverage on your insurance policy? If so, turn in a claim under your policy. Did the son-in law reside with the registered owner, and did the registered owner provide the vehicle for his use? If so, the registered owner would most likely be vicariously responsible for the negligent acts of the driver under the Family Car Doctrine. There is valid Washington case law on point. Have you discussed this claim with a conpetent attorney? I recommend you so so as soon as possible.
I would need to discuss the facts with you in detail to provide better advice. Much depends on the relationship between the registered owner and the son-in-law to any conclusion about legal responsibility for your damages. If you want to do the research yourself, look up Washington Family Car Doctrine for starters, then consult an attorney.
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