Phillip was involved in an accident while driving the 1994 Chevrolet Camaro. He rear-ended another vehicle while driving to school one morning in the fog. The third party had which had slowed down to turn into a side street. There were damages to both vehicles and the third party was taken by ambulance to the hospital. Peter called to report the claim and is unsure who to proceed. Explain in detail the Statutory Conditions relating to Damage to Persons or Property and Damage to the Automobile outline the rights and responsibilities of both parties; the insured and the insurer, in this process.