Whether the car is insured is not important, the point is who was At Fault in causing the accident, it could be the person whose car is insured that is at fault.
the owner of the car with insurance will be responsible
Some states are different, but in Michigan, the company who insured the car is responsible. They can then go after the uninsured driver Some states are different, but in Michigan the company who insured the car is responsible. They can then go after the driver .
If the driver with the suspended license caused the accident then he/she is responsible.
Only if the driver was responsible and only for his liability
If you have insurance yourself you are insured to drive someones car. If you have an accident your insurance will cover it.
If the accident was caused by the uninsured driver than the uninsured driver is definitely still responsible.
Yes. Even though it was an accident that caused an accident, the owner of the truck is responsible for any damges.
Assuming the stolen car was insured, the stolen cars insurance would be responsible. If the stolen car was not insured, the driver, if located would be responsible. If not located then the owner would probably be held responsible. Hopefully the struck vehicle is insured for "uninsured motorist" coverage. Filing the report after the accident would document the theft, but not neccesarily clear the owner of responsibility.
the person that is found responsible ( at fault ) for the accident
Ask the owner of the car?
Possibly, but they will go after the other party first if they were driving & as long as insured you have nothing to worry about.
The people responsible for an automobile accident are those who are operating the involved vehicles at the time of the accident - unless the cause is mechanical failure or some other event outside the control or any of the operators. The person responsible for paying for the resulting damages may be the vehicle owners or the person who bought the vehicle insurance (usually, but not always, the same person). When operator negligence is involved, the operator may be responsible for paying the damages, even though the operator is not the insured person.