I wonder if they mean the INSURANCE on the vehicle?
What is the legal standpoint on your car insurance covering an accident by a driver who stole the vehicle? I don’t think I’ve ever seen anything on that.
If the owner had insurance the carrier must provide a defense and indemnity for a settlement or judgment based on the legal liability of its insured.
I believe a car is insured, not the driver. So, order of precedence is car owner, driver, anyone within 50 feet of the accident with deep pockets. My guess is they get paid something on this. If it went to court and I was on the jury, they would not get one cent but as someone said above, the insurance company may not wish to take the risk and settle for a medium amount. Sad.