With most companies if the person resides in the household and was not listed as a driver there would be no coverage. If the person does not reside in the household and was driving with permission then this may be covered. If covered, your Property Damage would cover the other parties vehicle. If you remain with your current company, and they pay out on the claim, your premium may go up at Renewal time. This would be based on the fact they would be trying to recover some of the money they paid out on your behalf.

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