The insurance that they bought should take care of the property damage to the car. If they did not have any, or enough, PLPD coverage, that may be a problem because you can only sue the other driver for $500 or the deductible, which ever is less. As to your medical treatment, that should be paid by YOUR auto insurance, and if you do not have any, then you go to the insurance on the car you were driving. Whichever company is liable must pay the reasonable expenses for all necessary medical care; your lost wages; mileage to and from the doctors; up to $20 per day for you having people come into your house and perform jobs that you cannot do because of injuries in the accident. Depending on how badly hurt you and your kids were, and if the other driver was at fault, you can sue the owner/driver of the other car for your pain and suffering. The short answer is, if the accident was not your fault, you do not owe your parents any money. Their insurance company may owe them.
Answered on Sep 10th, 2012 at 2:46 PM