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There are generally no deductibles for the liability portion of a homeowners or auto insurance policy. Instead, the deductibles apply to property damage. So, on in an auto policy, there is a deductible for the optional comprehensive or collision coverage, but not for the liability portion.
The owner's insurance will pay if he has collision coverage. It Doesn't matter who was driving. the owner will have to pay the collision deductible, unless he wants to press charges against his buddy for stealing the car in which case the owner will have to pay the Comprehensive deductible. If the owner has neither collision nor comprehensive, then the owner is out of luck.