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There is some small potential liability to the car owner, but it is a small risk and likely will not play out that way.
The more likely scenario is that the plaintiffs will settle at or just before the date of trial. The delay is a tactic to try to get the insurance company to increase the offer.
As to the owner's liability the plaintiffs must prove that she knew that the driver was not licensed. But more then that they must proe that she knew he was not a careful driver, OR that the driver was using the car for her benefit. Without proof of that the owner of the car should not be liable for the negligence of the driver.
The insurance company has to provide the owner a proper defense. In almost all of these cases the insurance company will eventually reach a settlement.
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