<prompt> Human: So Im not really sure if this is the best place for this or perhaps rlegaladvice but here goes...To start off, my boyfriends mother had a stroke about a year or two back. All things considered shes not too bad off from it. She can still walk and talk but her vision in her left eye is diminished and she has some nerve damage on her left side. Its been advised that she no longer drive though.For the most part she relies on us for rides but on this day in particular about two weeks ago she tried to drive herself to a doctors appointment while we were all at work. I dont know much about the particulars of the accident except that she hit another car but claims that the woman in the other vehicle pulled out in front of her when she wasnt supposed to.Due to a bit of a mix up with her policy it took about two weeks before she actually got the claim filed. The insurance company, Progressive, says that she only had liability coverage on her vehicle and because she was at fault they wont pay anything towards the repairs of her car.But the thing is, the car was still being financed so it shouldnt have even been possible to sign up for anything other than full coverage when its still technically owned by the bank, right? Some other information: The policy was only about a month or two old. My boyfriend set it up for her since she had to get off her ex-husbands policy. He didnt know what she wanted or much about car insurance and she just told him to make it as cheap as possible so somehow he was able to sign up a car that wasnt paid off for just liability insurance.So now Im wondering where we should go from here? Should try to hassle the insurance company more or get a lawyer involved? And is my boyfriend at fault for signing it up for just liability or is the insurance company at fault for even allowing it to go through?  <response>: So now Im wondering where we should go from here? The finance company can call the entire balance due immediately, since the collateral has been severely damaged or totaled. She was required to keep better insurance for this reason.She can sue the other driver but you would have to prove they were at fault. And is my boyfriend at fault for signing it up for just liability or is the insurance company at fault for even allowing it to go through? No. Its her fault for not carrying sufficient insurance. 