First,if a person gives an un-authorized permission to drive and the driver causes the damage, such person is jointly liable for the tortfeasing with the tortfeaser. Ur father is arguably liable for the damage. you can check the statute of fraud (state civil procedure code) to make sure whether the suit is barred because of the lapse of time.
Second, the recorded deposition bluntly contridicates ur statement to the insurance company. you, your father and that woman are involved with fraudulent/ cheating conduct against issurance company. the inssurance company will claim punitive damage which can be very high. the fraud and conspiracy are willful and intentional.
on the face of the fact u provided, my suggestion is PAY THE MONEY.
Second, the recorded deposition bluntly contridicates ur statement to the insurance company. you, your father and that woman are involved with fraudulent/ cheating conduct against issurance company. the inssurance company will claim punitive damage which can be very high. the fraud and conspiracy are willful and intentional.
on the face of the fact u provided, my suggestion is PAY THE MONEY.