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In a perfect world, they would pay. Unfortunately, your car is covered by your insurance company and if the accident was the fault of your friend (in your car), then you insurance company must pay. If all of this was without your permission, you could press charges and try taking the person to small claims court for damamges.

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Q: If your car was lent to someone with a restricted license without your permission resulting in an accident and they are covered under their parents insurance who's insurance should pay?
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