Darrien owns a dry cleaners that also offers pickup and delivery service. One day when Darrien was exceptionally busy, the company van broke down, so he allowed one of his employees, Nick, to use Nick’s personal vehicle to pick up and deliver laundry. At 17, Nick only obtained his driver’s license four months ago. While making deliveries, Nick was involved in an accident that was his fault. Using your state’s insurance laws, explore the various types of insurance involved and determine whose liability insurance is responsible for payment of damages and/or injuries? Explain the reason for your selection and support it with laws, cases or other appropriate examples.