Who pays when an uninsured vehicle is involved in an accident driven by someone other than the owner?

As a Broker I say it all the time to my clients - ALWAYS be sure who is driving your vehicle and vice versa... know about the vehicle you are driving IN. It is your responsability as a driver to acknowledge insurance coverage and ask/request proof. (yes, even from your bestest friend!) The fault therefore technically on the driver depending on fault issues as well.