New Cuyama, CA Personal Injury Law Firms & Lawyers

It sounds like you did not get false information, if the father entrusted the vehicle to his daughter the policy covering the vehicle may still be responsible.

The question you ask would be best directed to an attorney you hire to handle your personal injury case.  Statistically injured accident victims recover more reasonable settlements using the services of a verifiable, experienced personal injury lawyer.  You can expect low-ball offers from insurance adjusters who follow their company’s business model requiring the adjuster to settle cases with claimants who are not represented by an attorney for unreasonable sums.  In your case, you should not consider settling your case until you know the prognosis for your thumb injury. Pain and suffering, medical expenses, property damage, and loss of income are the elements of damage that can be claimed in an auto v auto personal injury claim.  Evaluating your case requires acquiring your medical records and a thorough analysis of your injuries and losses which is not a process that is best performed by a simple answer to your question.  You should do your research and find a lawyer who will consult with you at no cost for the first consultation.  You may not get your answer to your question without retaining the lawyer since to properly evaluate your case, the lawyer needs to use his skill and experience which is deserving of a fee. 

A business proprietor can be held liable for known hazards that could foreseeably result in injury. In order to make a claim the injured party has to show either that the owner knew or should have known of the hazard, had an opportunity to correct it, and failed to take action. In your situation, it is likely that the umbrella came loose from its clamp over time, so someone should have noticed it and fixed it. However, it is a bit of a stretch to say that they should have known this condtion would likely result in injury. But there is another possibility: some liability insurance policies include a provision called a "medical payments provision". Although it is not required, this provision will pay medical expenses up to a certain amount, regardless of fault.