My question involves an injury that occurred in the state of: NY
I was seriously injured in an accident in NY which was the other drivers fault and instantly admitted as so. The individual was driving her parent's vehicle and was on their insurance policy. The damages are far above the liability policy of the girl who was driving the car registered to her parents. Is it possible to go after both the girl's liability coverage as well as the parent's because it was their car? Or is only the girl's coverage in play?
Also, my attorney has said that if I went after them personally it would take 3yrs and they could just declare bankruptcy. Is it that easy? Can't we argue for a settlement that is above the liability policy, but is low enough so I get more money and don't put them into bankruptcy? Also, if I settle against the girl through the insurance, could I still go after the parents after that?
Thanks.

