Don't want to make enemies here, but when you loan your car out you are responsible for the car. Any driving laws broken are the driver's responsibility...but damages the car does to people or property will go against your insurance, or worse...against you and your assets ! I'd report it to the insurance company and be totally honest with the insurance company....insurance fraud is a felony. The car is yours and what you get back is a reflection of the risk of this choice. If your insurance coverage doesn't pay in this situation, I say dig deep into the checking account or the 401K money and fix it....then don't loan the car out to anyone again. Sorry for your loss...I feel lousy when my car is bent out of shape. Fix it quickly and you'll feel better.