Originally Posted by
Nachoman
Here in California, a registered owner, even though not at all at fault for an accident, would still bear some statutory responsibility for the negligent acts of a permissive driver.
+1. Talk to them both and let them know you are going to go after both of them if someone doesn't pony up. Assuming grandma has insurance, her carrier my be none to happy to learn that she's letting unlicensed drivers use it. She might face a rate increase. That's a motivator to compensate you without getting the insurance company invloved. If they refuse, make sure you sue them both in the same action.