If an underage driver steals a vechile is the owner responsible?

Answer 1

Not necessarily unless the 'owner' is also the parent of the underage driver. If not, assuming the car was insured, the insurance company may deny the claim. If the vehicle was not insured, then it becomes a civil matter where the owner of the vehicle may be sued by the accident victim and may be found responsible for not having had the vehicle insured if it is the law in your state. If this is the case, and you are not related to the young driver who stole your vehicle, then you have a civil case against that minor's parents and they would in turn be liable and responsible for any damages you may have been made responsible for.