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Typically, car insurance covers vehicles. Thus, when you give permission to someone to drive your car, they are covered under your policy. The damages they cause are paid by your insurer.
If you drive another car and it is insured (in most states), the owner's insurance will pay for the damages you cause to the vehicle and other damages as well.
If you drive another car and it is insured (in most states), the owner's insurance will pay for the damages you cause to the vehicle and other damages as well.