I live in Kansas and a drunk driver hit my parked vehicle and totaled it. He was driving his uncles insured vehicle at the time, however the uncle is saying he did not have permission to drive the car. The driver himself was not insured and now the insurance company is wavering because of the whole "permission" issue. The uncle did not file a stolen vehicle report. Doesn't that imply permission? Is the insurance company liable even if the driver took the car without verbal permission and the uncle did not report it missing or stolen?