Legal Question in Personal Injury in Georgia

Pay. Was the car insured? The insurance company has a duty to defend and indemnify you if the vehicle was insured at the time of the accident.

The problem here is that you are claiming that the use was unauthorized. So you can pursue the family member for reimbursement but I don't know if your insurance policy will cover the damage - you need to read the policy and see what it says regarding unauthorized use. Assuming that it covers the damage, your insurer pays up to the amount of damage or the policy limits. If the damage is not covered or exceeds the policy limits, you pay the extra over and above the policy or for the whole thing if there is no coverage. Then either you or you and/or the insurer go after the family member.