[Payton King]

Follows the vehicle not the driver in an "at fault" state.

If you loan you friend you car and he wrecks it (his fault whether single car or multi car accident), your insurance covers the loss. Only time your friend's would come into play is if your policy had lapsed, amount of damage was over your limit, then his would pay excess.

The dealership with have garage liability and grage keepers liability. If vehicle is damage due to normal business it would pay. In the above situation, I woud guess it does not apply since essentially the vehicle was stolen from the dealership.

When it is all said and done, the insurance company paying for the loss will subrogate against the person who took the car to recover their money.