Can a person who is a tenant in an house, be held responsible for a car accident involving another tenant just because they live at the same address?

Question Details: I have a family member that is a handicapped person in a wheel chair. He lives in the downstairs unit with my mother, while my husband kids and I temporarily hold the residence upstairs until our home in another state is finished being sold. My family member was hit by another person driving wildly in a parking lot and now my family member is suing for medical on the person who hit him. However, I was informed that since I live in the family building my auto insurer can be gone after to pay for the damages. Why is this since my car was not involved nor was any driver of my car, and my car is still registered out-of-state? Can the person that hit my family member really get their insurer and themself off like this?

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