A lot of the hurt for the owner will be based on "was the vehicle taken with permission?" The answer to that initial question may have a big impact on liability... Buddy went through this decades ago, when asked by the police, he didn't want to be a "bad guy" to the "friend" that rammed his truck into someone (that just took the keys at a party and went for a ride) so he gave the wrong answer (basically said yes they had permission). Basically bankruptcy was the end result.