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Mine follows me no matter what I drive (friends cars and rentals), but it also will cover someone I allow to drive my vehicles. If I was in your situation, my insurance would cover all the damages, go after your "friend's" insurance for payback, and I'm quite certain that they would drop me after all was said and done due to lack of judgement- and I wouldn't blame them. Time to start asking these questions since you didn't when you got the policy.
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