Dylan Smith wrote:
On 2006-01-14, Robert M. Gary wrote:
I think it depends if she's still a dependant. If she's living at home
dad might be in trouble.

Hm. Now assuming that the car driver gets landed with the bill, and lets
suppose the bill is $1M, and lets also (probably reasonably) suppose
that the driver or his family have no way to pay that bill, how does the
Lear owner recover the money?

Against his own hull policy.

Let's say I drive my car into your house, the car catches fire, and
the house is destroyed. I'm an easy target; between my primary auto
policy and my umbrella, I carry $3 million in liability coverage. You
call your insurance company, they drag my company in, and my policy
pays off.

But, what if some 19 year old kid carrying the legal minimum ($50k, I
think, in New York) does the same thing? You file a claim against
your homeowner's policy. The insurance company may then turn around
and sue the kid to recover what they can (you can't get blood out of a
stone), but at that point, it's their problem, not yours.