Summary: My car was damaged in a hit and run accident and we only have liability insurance. Police found driver due to witness testimony and got a confession and impounded car.
Driver was not owner and had neither license nor insurance. My insurance company found out who owner of vehicle was and they did have insurance, but that insurance company said they won't cover it since driver wasn't on the policy (may have been excluded) and that we need to seek damages from owner/driver directly. Who is responsible for damages - driver, car owner or insurance company since car wasn't reported stolen by owner?