@Straander "Typically" if you let someone borrow your car, and they got in an accident. If the other driver was at fault, their insurance company should pay for damages. If the driver of your car was at fault, your car insurance will likely cover damages. There are exceptions, such as the condition of the driver at the time of the crash. Exclusions, such as driving while under the influence, still apply. It also does vary by insurer.