Not 100% but I'm pretty sure you'd be looking at felony hit-and-run along with negligent homicide.
It's not the owner of the vehicle's fault because if that person got in an accident there is nothing the owner could do. If this happened to you, the person borrowing should pay the bill.
If there is no other vehicle involved in the accident, then the only person who can be at fault is the underage driver.
The person who causes the accident is at fault
Vehicle liability insurance is insurance that only covers the other car. That means that if you get in a wreck, you are liable for what happens to your car. It also means that that your insurance company will pay for the damages to the other person's car if the accident is found to be your fault, but if it is the other person's fault, then their insurance will pay for the damages to your car.
When this happens, your Insurance company pays for damages. If the accident is your fault, your insurance rates can go up.
If the accident is your fault, your liability coverage will pay for the other person's damages. You will be out of luck as no coverage will be afforded for the damages to your vehicle or any injuries to you or your passengers.
I believe the person with the permit will be at fault regardless of who caused the accident. 1) The person with a permit is not allowed to operate the vehicle without a licensed driver in the car. 2) The person with a permit most likely is not insured.
The other person can sue you because you are at fault for the accident.
Tennessee is not a no fault state. When a person has been injured due to a motor vehicle accident will collect payment from the at-fault driver which is called tort liability.
Then you're considered to be at fault, the logic being that you shouldn't have been there to get into an accident.
You have to pay the cost of repairs to get there vehicle fixed. You may also have you license suspended and get a ticket.
You don't "get money" for being in a car accident. If you are in an accident and not at fault, it is the responsibility of the other person's insurance company to put you back into the same place you were before the accident. This would involve paying for the repairs to your vehicle, or giving you the value of the vehicle if it isn't repairable. Also they would pay for any medical bills incurred as a result of the accident.