Who should pay for civil liability?

Who is responsible for paying civil liability for the car? The owner or the person who uses it? What is the risk and to whom if he drives such a car without insurance? How does it look legal? I am asking for information, including links to websites and possibly relevant paragraphs, on how this may be legally considered by the insurer and the police.
Who is responsible for paying civil liability for the car? The owner or the person who uses it? What is the risk and to whom if he drives such a car without insurance? How does it look legal? I am asking for information, including links to websites and possibly relevant paragraphs, on how this may be legally considered by the insurer and the police.
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