Ddaughter was driving atv without permission. wrecked. passenger received fractured humerus. Insuracnce covers up to $20,000. Medical bills exceeded

Dear Anonymous:  It was not immediately clear from your inquiry whether it was your daughter who was operating the ATV involved in the accident, or whether it was someone else's daughter and you are writing on behalf of the passenger who received injuries.  In any case, this claim should be submitted to both automobile and homeowner's insurance, as coverage under either or both policies may be triggered. If you are writing on behalf of the injured passenger, please know that our law office handles ATV and off-road vehicle cases.  We would be glad to discuss the facts of this incident with the injured party to determine whether there is a potential negligence claim against the daughter and/or her parents.   If, on the other hand, you are a parent of the daughter who was operating the ATV at the time of this incident, it would be wise to report this claim to any insurance company that provides personal liability coverage to your family. Best wishes, Lance R. Ladendorf Ladendorf Law (317) 842-5800