Please see an attorney in your state as the laws do vary with each state, but generally a person can bring a claim against anyone who may be proved negligent based on the facts. that could include the driver of your vehicle or another vehicle that involved ,or both-depending on all the facts. Whether your state recognizes direct action against the insurance co will depend on the state law. Please see an attorney.
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George H. Senteney
Prairielaw.com
"More people helping people with the law than anywhere."