Basic Automobile Insurance

Unfair, you say, but that’s the rule. Even if it’s your friend’s fault that your car gets damaged, you’ll have to pay for it by filing a claim, paying deductibles. Your rates will increase too. You won’t be held liable only if your friend didn’t have your permission when he took your car. And worse, if he is uninsured and causes damage that exceeds your policy’s limits, those who are injured have the right to make you pay for medical and property-damage expenses. But of course it’s your choice: if you really trust that person, why not? But to prevent a major headache later on, don’t lend that car!