Usually it is the driver, there may be some liability if the car was in a state of disrepair or he was acting on your instructions.
You should immediately report the accident both to your own insurance company and to the vehicle owner's insurance company. Depending upon which state you are in, either one or both insurance companies is responsible.
The primary insurance would be the policy that insures the vehicle.
== == == == Car insurance follows the car. If someone was injured they can go after the driver if they weren't the owner of the vehicle.
You should be talking to the insurance company that insures the vehicle you were a passenger in. If it was a single vehicle accident they will be responsible but if it wasn't then the at fault drivers insurance would cover it.
The owners insurance will be responsible for coverage in an accident involving permissive use of their vehicle.
The Company who owns the vehicle would be responsible for deductibles listed on the policy their own policy.
Insurance stays with the vehicle, barring any policly exclusions to the contrary, the insurance that covers the vehicle covers that vehicles actions. If you allow someone to drive your vehicle and they have an accident that is their fault your insurance will be the one that takes care of the damages.
You are the one legally in the care, custody, and control of the vehicle and therefore are the one who will be cited for driving without insurance. This is just the beginning of your trouble though. If you were at fault, you are also responsible for the damages done in the accident which may include injuries and damages to the vehicle you hit.
When you cause an accident that damages another vehicle or hurts someone
insurance follows the vehicle, not the driver. If you loan your vehicle to someone, you assume the risk of them having an accident. Only if there is no insurance on the vehicle would the driver's insurance become effective for the loss of a vehicle not owned by him.
If you were driving someone elses vehicle and involved in an accident whether it be fatal or not then the person who owns the vehicle should have insurance on it and then the accident would be covered on that policy but if it goes over the amount that they have then its possible for yours to kick in and pay any extra.
The driver is always responsible. It is the drivers obligation to verify insurance before getting behind the wheel. If you have insurance on another vehicle you may have some liability insurance covering YOU when you get in someone else's vehicle. Check with your agent.