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The insurance follows the VEHICLE not the driver. The coverage that is on the vehicle will apply. IF the damage is under the deductible...this may want to be paid out of pocket. Who should take responsibility...well, that can be argued, but usually a friend dhould offer to pay the damages as they did the damage. YOU caused the damage, YOU are responsible to pay to fix it, out of your OWN poocket. It is called being a "ADULT" and taking responsibility for your own actions.

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Q: What if you drove another friends car and while backing up you cause slight damage to the drivers side of the car Who is responsible your deductible is 1000 and the estimates are 842?
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