I was in a situation a few years ago when I was getting on my bike in the parking lot of a restaurant after I ate. A couple of young girls were in a vehicle and she put the car in reverse and hit me because she didn't look behind her. I had a couple cuts, but wasn't sure if she was going to keep driving in reverse. The passenger heard me and the driver got out of the car, but she refused to give me her insurance information and drove off. I got the license plate number, contacted the police department and was able to track down the owner of the vehicle.
It turned out that the passenger was the daughter of the vehicle owner and specifically excluded from the policy since she was not licensed yet. The parents gave permission for the other girl to drive since she was old enough to have her license. The insurance company gave me a nuisance settlement in the interest of protecting the owner; otherwise, the driver could have been charged with a felony for failure to render aid.
The insurance policy the owners had was for a county mutual insurance company which in Texas means that at least one of the parents was considered to be high risk driver. I'm almost certain that their premiums went through the roof because of the poor decision they made lending the vehicle to a minor that wasn't a family member.
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