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I think that is a mitigating factor that you could try and use to sue the police to bring them into a suit as a co-defendant if you were sued since they were negligent in their exercising custody and control over daughter. But the underlying liability still falls on you as the parent of a minor child.
But a jury might find the police liable for their negligence because "but for" them losing control over daughter, she wouldn't have been able to take the vehicle and damage it..
So yes, you do have a defense here if they tried to sue you..
There is no way for me to speculate on that... I don't know the insurance company, their financial situation, what the police's position is on this, your financial situation, etc. It would be legally inappropriate for me to even guesstimate at what any odds are..
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