The person that is responsible for the accident.
The owner of the car is liable for the accident itself and the damage. However, the insurance company might have to pay for it, depending on the owners insurance cover.
Another golfball!
The density of golfball is less then density of water
The fault lies with the vehicle that cause the accident. When someone borrows a car, the car owner can be liable because the allowed someone to drive the vehicle. Often this type of accident has to be sorted out in court.
Who else do you think should be held liable?
In General No, The party that caused the accident is liable. However, If You were driving a company provided vehicle a the time of the accident, then the company may have some secondary financial liability depending on the circumstances of the accident.
the person that owns the car
Yes.
The additional driver
Who is the owner of the car your adult daughter was driving, you or her? If you, you can both be liable. Her as the driver, and you as the owner of the vehicle
Yes