Auto insurance typically follows the car rather than the driver. This means that your insurance will likely pay if your friend crashes your car. There are two exceptions. The first is when the damage and/or injuries exceed the available limits on your policy. In this instance, it’s possible that your friend’s insurance would kick in to cover the outstanding balance. Another exception can occur when someone drives your car without your permission. “This can get confusing,” says Dave Freeman, vice president, Personal Lines Underwriting at Erie Insurance. “For example, imagine a college roommate grabs the keys and borrows another roommate’s car. Some courts say permission was implied; others say express permission was necessary. It really varies by jurisdiction.” Will the accident go on my record or his? - See more at: https://www.erieinsurance.com/Blog/2015/ask-erie-whose-insurance-pays?