Tell your folks to notify their carrier about the situation. There is no catastrophe here, but your sister is going to have to deal with it. Young people make mistakes and if money can fix it, and you have the money, it's not a long-lasting problem.
In no way am I offering you legal advice, and in no way has my comment created an attorney-client relationship. You are not to rely upon my note above in any way, but insted need to sit down with counsel and share all relevant facts before receiving fully-informed legal advice. If you want to be completely sure of your rights, you must sit down with an experienced criminal defense attorney to be fully aware of your rights.
The incident should be reported to the automobile liability insurance carrier covering the vehicle your sister was driving. Your sister should also report the incident to any automobile liability insurance carrier in your sister's household. Your sister may be covered under the terms of her parents' policy.
Your sister is ultimately responsible for all of the damages she has caused by her driving. Hopefully she will be indemnified by some insurance carrier.
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Mr. Lundeen is licensed to practice law in Florida and Vermont. The response herein is not legal advice and does not create an attorney/client relationship. The response is in the form of legal education and is intended to provide general information about the matter within the question. Oftentimes the question does not include significant and important facts and timelines that, if known, could significantly change the reply and make it unsuitable. Mr. Lundeen strongly advises the questioner to confer with an attorney in your state in order to ensure proper advice is received.
This ans. does not create an attorney/client relationship.
Typically, any claim submitted against your sister should be forwarded to the car owner's insurance for payment, defense and indemnification. She is a permissive driver via consent by the owner's daughter. Hence, the owner needs to collect from their own insurance. That is what I would argue. Check with a local lawyer.
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