<prompt> Human: Hey RedditIts been a really tense day or two. As the title states, my SO was in a crash. My SO and the other driver are very lucky to come out alive without serious harm. The crash was my SOs fault, but there was fog and rain too. This happened a day ago and we dont know if the insurance is going to cover it yet, since my SO borrowed friends car. Both of us are students who dont have any lot of savings at the moment. Our families arent well to do either. The friend says the damage is estimated to be around 30,000, but I think the friend is just trying to guilt and scare my SO. The entire situation is pretty scary, but were both happy that no one was injured, or killed in the accident. Theres a lot of uncertainty right now, and the friends family is freaking out. Theres going to be pressure on my SO to pay. She doesnt have any significant assets to her name, only around 3k in the bank. Were not sure of whats going to happen next. Our best case scenario would be getting the insurance claim, but if that doesnt happen, what are our options? Whats the next best scenario? Id appreciate any advice and information I can get on this matter. Assistant: Does the friend have car insurance on the car? If so, everything will be fine. Im assuming this is in the USA. If the friend has car insurance as required by law in the US, the insurance will cover it. If your SO has car insurance on hisher own car, that insurance should cover anything that the car owners doesnt. The most you may have to pay out of pocket is a deductible. Human: It happened in Ohio. Yes, the friend has car insurance. They gave them all my SOs details today and my SO is expecting a call from the insurance company sometime today. My SO is covered under my SOs fathers plan. Dont know anything more than that.  <response>: My SO is covered under my SOs fathers plan. Dont know anything more than that. His father should contact his insurance company if he hasnt done so already. That the car was borrowed may somewhat complicate the claim, but it doesnt mean there isnt coverage. 