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?