The insurance follows the vehicle so your own insurance company would be primary. However, if you don't carry the comprehensive coverage on your own policy and your friend has a vehicle with comprehensive coverage, his coverage would be secondary and pay for the damages.
You should report the theft immediately to the police and to the car owner's insurance company.
The person driving the vehicle. You borrowed the vehicle so any damage is your responsibly to fix. In almost all cases your insurance covers you if you must borrow another car. Check with your insurance company to be sure.
Under most policies, the car owner's insurance will cover you and the damage done to the vechicle. If the fault was yours, their insurance company may request that your insurance pays for some of the damage, or that you pay for the person's deductible.
Yours
I hope you're asking this before you need to know, not after.In most cases the insurance is on the car, not the driver, so it would be the car owner's insurance. Generally, the insurance will cover someone driving with the owner's permission, but there could be an exclusion for someone with a learner's permit. You and your friend should know before you drive the car. If we have a driver's license and covered under an insurance company for our car, can we still drive a friends car which is covered under a different insurance company. And which company will cover the car in this scenario.
Insurance follows the vehicle, not the driver.
Allstate Ins. Co.
I think that your insurance covers the items that were yours that were stolen, and the company's covers the car damage.
insurance stays with the car......if collision coverage on the vehicle it would pay......
I would call their insurance, if you did not know who they are or they didn't have insurance, I would call your company and they can get the ball rolling.
Insurance follows the car, and points follow the driver. which means that the friend will receive the ticket and the points against his insurance. However, your insurance will pay for your car and you should not receive the points for the ticket. Check with your state for insurance guidelines.
i borrow my girlfriend rental car and i hit a fence they want to repair it should i go though my car insurance whose responsible