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Suing at Fault Drivers

Question
Collision/Comprehensive/All Perils
Not at Fault
Uninsured Automobile
Who sues to recover losses
insurance company
no one, suing is not allowed
insurance company
Can insurance sue your driver - authorized
no, unless garage worker, or they drive illegally
no
no
Can insurance sue your driver - unauthorized
yes, read note
no
no
Outside Not Fault system
yes, read note
n/a
works anywhere in North America