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Talk to your teens about the risks involved in driving other people’s vehicles. In my practice, I see teens letting their friends drive their cars and then getting into accidents. Some teens believe that if they cause an accident while driving their friend’s car, they will not be responsible because the car is insured. This is not always the case. In general, your child (and your auto insurance) will be primarily responsible If your child causes injury to someone while driving someone else’s car.