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I owned a medium sized insurance and investment company for about seventeen years before selling the firm and retiring. I was just going to hunt, fish and lift weights until I got bitten by the porn bug.
The news will probably not be good for you or your daughter. His DUI and the criminal charges will all stick just fine.
The liability issue is a contentious one, at best. By having a key and been given permission to drive the car, along with being an insured on the vehicle, the insurance company will stick you with an "at fault" accident. Because he was on the insurance policy as a insured driver...but you kinda shot yourself in the foot by letting someone know that she requested him off the policy.
First, descretely find out if he is still insured under the policy. If he is, good, shut up and don't ever mention anything about a phone call to take him off the policy. Tell them your daughter was hysterical and was blurting out crazy shit...anything you can think of.
Second, if you find out that he was not on the policy at the time of the accident, well, your cause of action will probably be against the boyfriend. That will probably leave you fucked, he doesn't sound like a responsible person.
Lastly, the increase in your insurance premium will depend upon the liability issues above...in Illinois, you would probably be put in the assigned risk pool...which is a pool of drivers with bad driving records and DUI's...they then aportion those drivers to all insurance companies doing business in Illinois. Just a simple liability policy, four years ago, was in the 6000 dollar range. ouch!
If there is anything I can do to help you, contact me via email and I will be more than glad to help you...I speak thier language and there is a possiblity that you could wiggle out of this thing and get the car paid for and get the insurance company to sue the boyfriend. That is the tack I would take. Let me know if I can help.
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