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Your insurance would be liable. same qusetion but what if the car didn't have any insurance on it? In this case, both the driver and owner are in deep doo-doo. Injured parties will sue both.

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Q: Who is liable if someone else is driving your car with your consent and hits another car?
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Who is liable if someone else is driving your car with your consent and you had no insurance on the car?

They'll go after the car's owner first. IF the driver has an insured vehicle, it would be secondary.

If you loan your car to someone and they have an accident are you liable for medical costs?

Only if the crash was a result of a mechanical defect in the car, and you knew of the defect before loaning the car to them. If the crash resulted from their actions while driving (or another person's), you are not liable. If the person driving your car was at fault, you will be responsible for any damages.

A vehicle did damage to your fence on your property the insurance company is saying they are not liable because the person driving the vehicle was not supposed to be driving it?

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It was your car so your insurance will have to pay. Never loan a car out to someone who is not on your insurance policy.

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You both are.

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Different state laws probably vary; but I think in general if you gave them permission to use the Jet Ski, yes, you would be liable.

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No. In this discussing this with another person we came to the conculsion that you are still liable for the damages. We did think that you could take them to small claims court to collect for damages since they were not suppose to be driving.