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If you gave the friend permission to be driving your motor vehicle then you are responsible for the damage. If you can prove your friend's negligence, then it might be worth talking to an attorney. If you were in a simple accident, your friend had permission, and it's not his fault, then the other driver is responsible, provided they are legit drivers, have licenses, and are insured. Let's say your buddy was rear-ended. The other guy is the at-fault driver. His liability coverage should pay for the cost of repairs to your vehicle. But if he's carrying only the minimum liability insurance, it may not be enough to cover the entire cost. That's where your un-/under-insured policy kicks in.

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Q: If a friend was driving your car and got into an accident but was not at fault who pays for damages in New Jersey?
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