Who's responsible for damages when you borrow a car?

"Who is responsible for damage when borrowing a friend's car? I hit a deer while borrowing my friend's car and they are now trying to sue me for damages."

Answer provided by
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Emily Maracle
Answered on Jul 28, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Since you were driving the vehicle, you are responsible for the damages. If you had permission from your friend to use their vehicle, their insurance should provide coverage for the damages.
However, they would need to have comprehensive insurance on their policy as this covers hitting an animal.
They are likely suing because they don’t have comprehensive insurance or don’t want to pay their deductible. Your friend is responsible for any damages to their vehicle out of pocket. As you were driving, you can be held responsible for the damage.
If you have your own car insurance with comprehensive coverage, you may be able to see if they would cover the damage.
If not, you’ll need to try and negotiate with your friend to come to an agreement on a settlement. This may mean you need to find a lawyer to represent you as well.”
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