<prompt> Human: No damage to my car but he knows the person from worktown. Left her car dented. I had this happen before too, but I was in the car that time and the other car was parked. That time I left a note and gave my contact info and had my insurance pay for the issue. This time he borrowed the car and i wasnt in the car. I am afraid my premium will go up if I run this through my insurance. Any advice on how to go with this? Thanks!Update: I told my friend to talk to the person and handle it without my insurance. He agreed but waiting to hear back from the person whose car got rear ended.  <response>: Youre correct that your premium will go up if you run this through insurance. Unfortunately, his coverage is probably going to be secondary. You need to read your policy. 