guys dont look on here. THIS IS JUST RANDOM PEOPLE LIEING ABOUT THINGS AND MAKING PEOPLE WRONG. THIS IS STUPID!
Well then hope that your insurance will cover it.
Some people call the devil el diablo
Typically, insurance "follows the car" rather than the driver. An individual that does not own a car can generally obtain "non-owners" coverage that provides liability coverage to him/her regardless...
The Driver is the primarily responsible party, however, Both can be held liable depending on the circumstances.