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This is different from policy to policy. You need to check the owner's policy to see what is covered. If the owner didn't pay for such coverage, then the damage is not covered. Provided the owner is paying for comprehensive and collision coverage the damage will will be covered, subject to a deductible, as long as the driver is not excluded from coverage.

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Q: If you are drivng another persons car with permission and have no insurance but the car you are driving is insured will the car insurance pay to get the car fixed since you were at fault?
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