A driver ran a red light and hit my car. He had no license, but was driving a car that was insured by a family member. The driver was the only one present at the time of the incident, and admitted fault to me only. The owner of the car showed up on the scene at the same time as the police. The owner denied all fault, and the driver stopped talking, and was hauled off in an ambulance, even though he was clearly uninjured (he was being instructed to act injurred by the vehicle owner). The owner accused me of running the red light, even though I have an eye witness to what really happened. Can the vehicle owner's insurance automatically deny any claim simply because the driver was not licensed? What to I need to do here?
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