<prompt> Human: Im at a loss on this one, as much as I want to help, Ive never encountered this scenario before. So I have a friend who allowed another friend to borrow his vehicle a few nights ago. The friend borrowing the vehicle went out, got drunk and met a concrete divider on the way home. Car is fucked but he made it back home without anyone noticing and the dude who let him borrow the vehicle wasnt made aware of the damage until the next day when he went to retrieve the car.The drunk idiot has no money, no insurance, and is ducking my friend now that things are out in the open. Hes unsure whether to contact police, contact his insurance company, or file a lawsuit. I honesty dont know where to point him so I thought Id ask here. I doubt his insurance will cover it if he tells them the truth, and I cant see police doing anything since its after the fact. To me it seems like an expensive lesson learned, what does rpersonalfinance think?  <response>: It depends on your friends insurance policy. Its possible he has vehicle coverage and can get it fixed. Who knows? Unlikely, but not impossible. That said, the drunk driver is no longer a friend to you or your friend. Small claims court. If they had a verbal agreement about the lending of the vehicle you can likely get a judgment against the drunk idiot. He may have no money now, but he may have money later, and small claims isnt expensive to pursue. That said, your friend may want to contact the police, before they come looking for your friend in relation to the likely abused divider. 