Your insurance should pay since it was your car that was being driven. There shouldn't be any issues with your brother driving if he is not excluded from the coverage. Most insurance policies define "Insured Person" as you or a relative or any person using your insured car with your express or implied permission to do so. However, if he is a household member than he may need to be listed on the policy in order to be a covered driver.

You should report this loss to your insurance company if you have not already. A licensed claims adjuster will be able to discuss the coverages and benefits on your policy with you.

You can get an auto insurance online quote here to see how much a policy with us would cost.