You don't mention why you are suing - is it for damage to your car or for personal injuries? If for personal injuries, I strongly suggest you find a lawyer to sort out the issues for you - it will be worth it in the end. If it's just a property damage case, you should sue the driver and the listed owner of the car. It's possible the owner has insurance even if the driver does not. If the driver was working at the time, sue his employer as well (perhaps that is who the owner is).
The owner of the vehicle is statutorily responsible for $15,000. If there is a negligent entrustment issue, then it may be unlimited. As a practical matter, our office always names the driver and the owner of the vehicle in every suit.
Best of luck!
You should file suit against the driver and all owners of the responsible vehicle.
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You should sue both the driver and the owner. You should also check to see if you had uninsured motorist/property damage. If so, your insurance will pay and go after the party at fault.
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