You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
You could be held responsible for any and all damages.
Very simple, the insurance policy follows the vehicle not the driver. In this case, the vehicle insurer will be responsible for all damages.
Auto insurance: An accident that damages your vehicleDisability insurance: An injury that causes you to lose wagesHomeowners insurance: A fire in your house that damages your personal possessionsHealth insurance: An illness that involves a trip to the doctor.
When someone causes an accident and he has no insurance, he is liable to pay for the damages out of his own pocket. Some of the costs may be too much to bear and that is why people are better off having insurance.
The Thief is liable for the damages he causes. No one else. Take Care Insurance Plus
When he causes the accident
parents
If someone causes damages to your property, they are liable. This means, however that you have to deal with their insurance company directly, rather then your insurance company doing it for you.
Then the driver would assume all liability for the accident - including monetary damages.
I am not familiar with California laws but... In 99% of cases, the person who rear-end's you is at fault. If the other person is at fault, they are liable for damages and medical injuries. The fact that you are not insured does not make the at fault driver not responsible for damages and injuries that he or she causes.
Accident lawyers deals with every type of accidents which is causes damages to the party which occured due to the negligence by others.