<prompt> Human: Details: A car lost control going too fast around a corner and ran up the curb and hit a brick pillar with a light fixture on it and got stuck on top of some landscaping there. I have a couple cameras that caught him moving way too fast around that corner. The driver had no license and was borrowing the car from someone who according to the police does have insurance on it. He attempted to get me to not call the cops and asked for help to get his car out. He got arrested and the car impounded. -So whose insurance problem is this? Its not major damage but I would like to get it fixed. Im a first time homebuyer and have only lived there 2 years. My first rodeo so to speak. Assistant: Its definitely going back to the drivers insurance since he was in control of the vehicle that caused the damage, unless the reason for his loss of control of the vehicle was beyond his input. That is something, however, you wont have to worry about; the insurance companies will handle all of that.Just be sure to provide video evidence and write down all details from that day as clearly and thoroughly as you can when you are asked for a statement.Human: The driver was not the owner of the car though. I guess Ill have to find out if he was covered under their insurance but I doubt it.  <response>: The owners insurance will still be liable. This is what is called permissive use. If the person STOLE the car, that would be a different story, but the owner gave the driver permission to use the car, hence permissive use. Get the insurance information from the police department and a copy of the report, if any, while youre at it and file a claim. 