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In my experience, if someone drives my car and get in an accident, I think he or her insurance has to pay for the damage of the other party and mine pays for the damage of my car. However, her insurance should go up, but not mine because I am not the one who drive at the time the accident occurs.

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Q: If you get in an accident while driving a friend's car will her car insurance go up or just yours?
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If you have an accident while driving another person's car will your insurance or the owner's pay the claim?

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