In most situations, the auto insurance of the car owner will pay for the damage to the other vehicle in a minor accident. You should read the terms of the policy to make sure that you are not excluded under it. Most policies will provide coverage for anyone who is driving the insured person’s vehicle with their permission. If the accident was serious and caused injuries, the costs might exceed the limit of the car owner’s policy. This might mean that your insurance would be pursued to cover the remainder.