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The driver in control of the vehicle at the time of the wreck will be charged. However either YOU or YOUR insurance company will be liable for the damages. Your contention (i.e.: defense) might be that they took the car without your permission but the assumption in law is that the owner knew about it.

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Q: What happens if a friend who has been drinking takes your car without permission wrecks it and another car and also hit a house?
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