While Diaz-Navarro is said to have “no active negligence,” records say he has offered $100,000 in policy limits as he agrees he “is liable for damages under the owner’s liability statute.” But, as the court ruled he is entitled to indemnification, the dealership and Thompson would be held liable for any awarded damages and attorney fees in this case. Insurance. His car was involved in the accident. That's how it goes I guess. I don't agree with it entirely but it sounds like he isn't getting sued for the 15 million. The vehicle owner isn't. The owner even agreed to the liability statute.