My brother-in-law's now ex-girlfriend was house sitting for me and took one of our car without permission and had an accident. Our insurance said that we could be sued if we did not cover her as a driver whether she had permission or not so to not stir up more family drama we did not press charges. It has been over a year and we are now getting letters that one of the other people has gotten a lawyer and the total damages total more than my $25,000 limits so I will probably be sued for the rest. The letter lists me as the insured and my brother-in-law's ex-girlfriend as the driver. Can I sue her for re-payment of the $25,000 to pay back my insurance company and any other money that the person sues me for over my limits?