If a vehicle is insured but someone else is a fault for causing a four car collision, who is liable?

The driver is found impaired at twice the legal limit, and at fault of a four car collision, with injures and arrested on 2nd offense OWI. But the vehicle was owned and insured through someone else, who resides two hours away from accident. Insurance company now states, that the impaired driver was excluded from vehicle's policy. Who would be liable for damages and injures of the three parties?