You need to have your parents call Fred Loya and tell Fred Loya that you are covered under their insurance because they gave permission for you to drive their car. Fred Loya is trying to avoid potentially paying for a claim, that's all. But your parents need to get rough with Fred Loya and help you out.
It doesn't matter that you were not listed as a driver.
It does not matter that you provided a copy of your license.
What matters is the pictures that show no damage to your car and your statements that you did not hit their car.
What matters is that your parents have insurance that covers the car.
It doesn't matter that you were not listed as a driver.
It does not matter that you provided a copy of your license.
What matters is the pictures that show no damage to your car and your statements that you did not hit their car.
What matters is that your parents have insurance that covers the car.