I can't believe the conflicting answers here. Let's start with is the car insured for under 25 drivers? (I am assuming that you are both under 25?) If so, then since her dad had given her permission to drive it, she can in turn give permission to someone else, as long as that person is insurable. IE: Has a valid license (The insurance coverage proves that she has permission unless her dad is ALSO under 25!)

Legally, you are covered. Morally. you are in trouble (as is she) for bad judgement. Obviously, you also do not know how to park! The wrath of her dad is a problem you both must face. I'd recommend a full confession and apology and an offer to pay for the damages.

Now we get into the legal side of things again. You left the scene of an accident. That is a criminal offense. I would recommend contacting the police and turning yourself in with the excuse that you were stupid and not thinking when you did that. They will probably NOT press any charges, but if someone has filed a complaint about a hit and run driver at the time and location of your little accident, then they will be notified about who to file their insurance damage claim against. If you don't and someone actually witnessed it and wrote down the plate number, her dad will be really upset when law enforcement shows up to talk to HIM as the owner. Then you will be in serious trouble!

No, you are not covered, insurance coverage follows the car, not the driver. You scratched a car and drove off??, you had better hope you are not found out, you can be criminally charged with hit and run property damage only, and second, you were not a authorized driver of her dad's car. You are in a heap of trouble boy.

Silly answers. No one buys insurance on the driver, but on the car, and it does not matter who is driving or if they had permission or not. Do you think you have to call your insurance company and get permission each time a valet or mechanic drives a car?

The reason you NEVER should loan out a car, even to a relative, is that the owner is responsible for all accidents. The person you loaned the car to can even sue the owner. Does not matter who caused the accident or why it happened.

US answer, yes.

But, you will have some explaining to do. You hit another parked car and left the scene, w/out leaving friends information on who to contact for the other parked car damages, you caused. If, someone else saw this, and got the license plate number, they can file a hit/run on both of you.

Your friend can not give you permission to drive dad's car, only dad can give that permission, so you were not authorized or covered by insurance.

Their insurance *might* pay out, but then they will looking to you to pay it back.

"motorhead" is wrong

you ALWAYS insure the driver not the car, to be insured you woudl normally have to be added to their policy

(insuring the car so anybody can drive would be stupid, cos ALL insurance is based on risk

If anybody can drive it then that means a young male single driver would have to be regarded as the same risk as a middle aged woman with family - This would be absurd)

However in most states insurance would also cover somebody not related to or living with the insured party in an emergency

Yours was not an emergency

question is- SHE may well have had permission from her father, but did her father give her permission to let somebody else drive

If he did then he would be held liable (but probably covered by his insurance)

If he didnt then she would have equal responsibility for the damage as you (cos she did not have permission to give you permission to drive)

(i.e she would be liable for 50% - you for 50% (but you 100% liable for driving off)

I doubt it. Her dad may have cover for her to drive, it's highly unlikely this will extend to any random person..

You're screwed. Better get on your knees and work that scratch off to her dad

No you are not. you have to be added to there policy, Oh you can drive the Car but if you get into a accident the insurance company does not have to Pay.

You did "minimal" damage to another vehicle and you drive away? You are guilty of hit-and-run and leaving the scene of an accident. You are screwed.