If someone borrows your car and gets into an accident that was not their fault, the at-fault driver's insurance should cover the damages. The liability falls on the driver who caused the accident, regardless of who owns the vehicle. However, it's important to report the accident to your insurance company and provide them with all the necessary information. Your insurance company can guide you through the process and help ensure you receive the appropriate compensation. Remember, it's always recommended to consult with a car accident lawyer to understand your rights and options after an accident involving someone else driving your car. They can provide personalized advice based on the specific details of your case and help protect your interests.