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What Happens if My Friend Crashes My Car?

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If your friend crashed your car, your auto insurance is typically the first to pay for damages, not theirs. In most states, car insurance follows the vehicle, not the driver, which means your policy responds first regardless of who was behind the wheel. This can feel frustrating, especially when you were not even in the car. Understanding if someone gets into an accident with my car, your coverage, your liability, and your options becomes critical before you assume your friend’s insurance …
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