A lawyer can also help if the at-fault driver does not actually own the car. In some cases, plaintiffs who show that the driver was an “agent of the owner” who was working or doing something else for that owner. An example of this could be an employee who was making a delivery, failed to yield, and smashed into your car. In these kinds of situations, plaintiffs may be able to attach liability to the owners as well. With most negligence claims, the liability insurance “follows” the vehicle. If that driver had the insured owner’s permission to use the vehicle, that driver may be on the owner’s insurance. This could get more complicated if the driver borrowed the car without permission.