Quote:
Originally Posted by RW99
Yeah it's kind of funny how the story broke. I've seen this discussed on serveral websites and overwhelmingly people wanted to find out what insurance company would do this to a 12 year old, boycott them, etc. I blame the media for most of that 
Its the same if you were in your brother's car and he caused an accident and you were injured. You would sue his insurance policy, not him.
Though, whichever insurance policy is determined to be liable, it could affect their insurance rates. (I have no clue when it comes to residental insurance though). |
You would sue him and his insurance company because if you don't name him in the lawsuit and for whatever reason the insurance company is not on the hook for the loss you would want to go after him directly. But for the most part it is covered, both are named but the insurance company covers the loss.