The guy that hit her already has an ongoing insurance claim. He was driving a rental car because his car was not drivable. He admitted to being at fault. What should we do? My father’s insurance will not cover her because she lives in the household and has always had access to the car.
Please see an injury lawyer. The owner (the rental car agency) is liable up to $15,000. The other driver's insurance would still be available, unless it was cancelled.
I presume your sister was driving. She is entitled to collect full out of pocket expenses such as medical bills and wage loss, and her father can collect for property damage and use of a rental care until repairs are made, but she is barred from collecting for pain and suffering damages.
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