<prompt> Human: What would happen? I have no idea.. My friends have been having to drive my car to get groceries and I am nervous because both of them have wrecked cars in the past. I do not want to have to pay for anything they do. What do you think?  <response>: Think of it this way. If you are the kind of person that would loan out hisher car to a reckless driver then you are a risky client. The short answer is yes, you would likely get hit with higher rates even though it is not you driving. 