If you give someone permission to drive your car and that person crashes, it will be your insurance – not your friend’s policy – that covers the damages.
On a personal auto policy, the insurance is generally going to follow the car, and not the driver. So if you lend a vehicle to a friend, and he/she gets in an accident, it would go through your insurance company.
However, if your auto insurance coverage has reached its limits, your friend’s policy can be tapped for the remainder of damages.
Please feel free to contact us if you have any questions.