My question involves insurance law for the state of: Louisiana
I got into an accident with a young woman who had been excluded from her parents insurance policy because she had been involved in too many accidents driving the vehicle she hit me in. The insurance company made them exclude this woman or the company would have dropped them. The parents, the owner of the policy, willing GAVE her the vehicle to drive. No report was filed stating that the car was stolen. Basically this is a legal way for them NOT to have to pay anything and not to HAVE to have insurance but the company KNEW she drives the car and they still didn't drop these people. Now this company is denying to cover any of the damage to my car, rental or towing.
I know I have full coverage on my vehicle because it is finaced. Does this mean that my insurance company will have to cover this accident? Should I still pay the note on a vehicle I can't drive? What legal action can I take aganist these people, if any?