What happens if im driving a friends car and you get in an accident?
Hopefully, both you and your friend have insurance. If you do, you call the insurance companies. If the other guy caused the accident, you let the insurance companies fight it out. Likewise, if just one has insurance, you call that company. On the other hand, if you caused the accident and both you and your friend have insurance, you call the insurance companies. If just one has insurance, you call that company. If neither you nor your friend have insurance and you caused the accident, you are in deep trouble. You could be out a lot of money. In either case, you only talk to the cops. You do not assume any blame even if you are at fault. You just give the facts. You can say the light was red when I entered the intersection. You have to tell the cop the facts or you can go to prison. Still, you do not say, "It was my fault." You do not assume blame. You do not make value judgements.