The driver of the vehicle would be liable for the injuries, as well as the owner of the vehicle that the at-fault driver was in. In California, the way insurance works in auto accidents is the owner of the vehicle is primary, and the driver of the vehicle is secondary. This means that the insurance company of the vehicle owner is the first to pay and then to the driver’s insurance company second, if the owner’s insurance was invalid or if the policy was not enough to cover the value of the claim. If neither of those policies is enough to cover the value of the claim and injuries, then the third possibility is to use the uninsured motorist coverage for the injured party. Uninsured motorist coverage also includes underinsured motorist coverage and it is one of the most important coverages you can carry.