States establish minimum requirements for bodily injury policies which protect the insured if they are sued by someone injured in an accident, caused by a covered driver. Policies typically pay the insured party's legal and court cost and damages up to the policy limit.
Both of our states have relatively low basic liability policy requirements. I believe it's in the $40-50,000 level per accident ( not person) for bodily injury.
Amber's parents may or may not carry more than the minimum.
Having said this, all policies have exclusions and limitations. Amber did not have permission to drive. Amber was not legally able to drive without a licenced adult in the car. Amber was drunk. It is quite possible that the insurer will determine Amber was not a covered driver and deny any claims.
Case closed ?