I live in Columbus  and I am insured in the state of Ohio. I drove my friend’s car and wrecked it. My question is: does my auto insurance company pay for the damages or his insurance?

Dexter

Columbus, Ohio

The Auto Insurance Buyer’s Guide on the Ohio Department of Insurance website states that, typically covered on an insurance policy is you, family members in your household (that you have listed on your insurance policy) and in general any licensed motorist that you allow to drive your vehicle unless your insurance policy rules out this provision.

Your friend will have to discuss the car insurance coverage he has under his car insurance policy but normally it is the car owner’s insurance that would be primary and the motorist’s car insurance would be secondary, thus his car insurance would pay on the damages first. If his car insurance did not cover all of the damages then your auto insurance could be used for excess.