If someone was on your insurance policy but the car was registered to you who is responsible for a car accident?

Question

This person is an adult and healthy, no problems, gets into an accident. 

Can the owner of the car be sued typically?

Update:

How do u ensure that only the driver is responsible

Answer 1

Typically, yes, someone can sue the owner or the driver or both.

Answer 2

"Typically?"  Yes, "always" is the answer to that.  The driver AND the owner would be sued.  You can't "ensure that only the driver is responsible."

Answer 3

Ultimately, the owner is responsible.

Answer 4

As to paying on the claim, The insurance company will be "prime", the driver, secondary and the owner of the car follows.

Yes the owner can be sued...Anybody can be sued. 

You cannot ensure that only the driver is "responsible"

Answer 5

The driver is responsible.  Typically, the owner gets sued as well.  There is a bailment relationship with certain legal requirements on both parties.

Answer 6

The insurance company for the other person in the accident will go after the driver that was at fault. 

Answer 7

In short no, it has nothing to do with the owner. If a person driving a vehicle causes an accident, it is the driver that is responsible, but it is the owner's insurer that would have to pay up, not the owner.

Answer 8

The insurance company will pay for it if the driver is included in the "named drivers".  If there are no "named drivers",  insurance company will pay for the accident.  If you want to ensure that only the driver is responsible, the "named driver" will only be you and you do not let any other person drive your car.