Insurance may cover driver two as it doesnt sound like he faces any criminal charges. You're probably right and dirtbag will drag in everyone he can to be responsible for a percentage. The extra annoying point is insurance for driver two may fight hard for the win and as a byproduct help dirtbag. If they lose, insurance will pay and dirtbag will never pay.I'm sure Mr. Hot Prop's lawyers will use that to the max to minimize the penalties and civil actions.
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