Regardless of who is driving it, will typically first reach your insurance provider.
Bodily Injury and Property Liability Insurance If a roommate, grandchild, or friend borrows your car and injures someone or damages their property.
Your auto insurance’s bodily injury liability or property liability coverage will typically step in to pay the claim. If the driver also has insurance and the claim is greater than your coverage, their coverage may make up the difference.
The costs of damage that isn’t caused by a collision, like a bird hitting the windshield, are covered by comprehensive coverage, whereas collision coverage covers damage that is caused by an accident.
