My question involves an accident/injury that occurred in the state of: Arkansas
While traveling, I was stopped at a light and was rear ended, pushing me into the car in front. The police were called, the 17 year old driver of the car that hit me gave the insurance information from his parents car, and the police gave him a ticket. The police told me that the other driver was at fault for my damage and the damage of the car in front of me which I hit as the police said he was texting when he hit me. I called the other drivers insurance company and initiated a claim and proceeded to get an estimate for my own damages. I went to an immediate care center for my minor injuries. The insurance company called and said that the minor driver was not a listed driver on the parents policy and they would have to find out if the parents gave permission for their child to drive. As of now, I have $4500 in damage and do not know if they will cover my damage or not.
It seems to me that the parents would be liable for the minor child's actions. And if he took the car without permission, he should be arrested for theft. I live 800 miles away and cannot appear in court. My injury was minor, so a personal injury lawyer will not take the case on a contingent basis. I am fully insured with collision and a $1000 deductible. Do I need a lawyer in Arkansas to sue the parents if there is no coverage or will my insurance handle my repairs and medical expenses, although I will be out my deductible?
I have looked up the rules in Arkansas and police at the scene determine fault. It is also against the law to drive without insurance. If a driver is under age 18, it is against the law for that driver to use a cell phone for any reason except in an emergency. I know I don't have a final word from the drivers insurance company, but my phone calls are not being returned regarding their coverage. Any thoughts about possible action would be appreciated.

