Are you a licensed driver with insurance on the car you drive? Then you need to report the accident to your insurance company. You shouldn't have driven anyones car if you were not a licensed and insured driver on your own. Depending on "fault" they may try to go after the car you were in the accident with. Otherwise it may fall on your insurance to cover some or all of the cost. And of course, then your company will drop you and you will have to find high risk insurance for at least a year before you can get reasonable rates again. You need to find out the cost to repair the damage to your friend's car. If you honestly thought the car was insured and that you would never have driven the car otherwise, that may count for something, but if you caused the accident it could still go against you. If you feel a responsibility to help pay for the repairs, see if you can work something out with your friend (that is, if your insurance doesn't come through or you have none) Otherwise, all you can do is wait and see if you get served with papers naming you in a law suit. This is a good case for Judge Judy. I am not joking. Contact the production company and see what it takes to get on the show. If your friend agrees and you guys get on, I know the compensation for appearing will cover the repair costs regardless of the verdict.
Another View: It is the responsibility of the OWNER of the vehicle to maintain insurance on their vehicle. The individual holder of a drivers license is not required to be insured IF THEY THEMSELVES DO NOT OWN A VEHICLE. However, if you DO own your own vehicle and it is insured, the first contributor is entirely correct about notifying your insurance company. Because - if you were the driver of someone else's vehicle that turned out to be uninsured, you (as the driver) might very well be sued personally for damages and injuries occurring to both vehicles.
Insurance follows the vehicle, not the individual. If someone else "causes" you to crash... then that individual could be held responsible. It is likely, however, that that person's carrier would deny coverage if the personal "intentionally" tried (and succeeded) in making you crash.
Police and insurance companies.
yes because there might be a drunk/reckless driver and you need insurance if you're in a crash to cover damages
Your insurances pays it because you caused the crash.
State laws vary on at-fault crashes, but if there's clear evidence the other car was at fault in the crash, their insurance should pay for the damages. However, if you have no valid drivers license, that should be amandatory court appearance. If you want to drive, ontain the training and license necessary to do so.
Every state has their own laws covering insurance and liability for damages.
The owner of the property (if he can), the police and his insurance company.
The person that lied to you about the insurance would have to pay for it. you could even take them to court. If they lied about the insurance on your car, they could be arrested under a small amount.
How much is what? If you cause an accident, you will need to pay for the damages. If you are cited in a traffic violation, you will need to pay that separately. If you use insurance to pay the damages, your premium will probably raise.
You may need to check with the insurance company. Most companies will cover accidents that happen when a car is borrowed by a licensed driver.
You hope that the other driver responsible in the crash has insurance that covers uninsured drivers and then you sue your friend!
You as the driver are responsible for any crash you cause in this case. If you were told the car was insured and can prove it you could sue the lender for reimbursement.