I borrowed my friend's car and caused $1,000 of damage
While driving my friend's car, I scraped a pole. Repair shops have told us the cost of fixing the passenger door will be around $1,000. I'm not sure how filing a claim works when the owner of the car wasn't the one driving. I want to pay to repair my friend's car, and I want his insurance to help out so I don't have to pay the entire $1,000, but I also don't want his premiums going up. How do we handle this?
Typically, car insurance follows the vehicle (not the driver) so if you were to file a claim, it would be under your friend's insurance. However, I would exercise caution when considering filing claim. Deductibles are usually between $500-$1000 so that might not offer much help. Also, this type of claim would be rated as an at-fault accident. In California last year, an at-fault accident raised premiums by an average of almost $900. Most companies will rate (i.e., charge) you for your claim for 3 years. So that $900 will triple over the period you are being rated for. So, if you can afford it, I would recommend paying for that damages yourself rather than involving your friend's insurance company.