4/2     Ok so I lend a "friend" my car and he wrecked it. Now he's being an
        asshole and wouldn't pay for it (ok fine he's not a friend). I've
        called my insurance company and they said they'll take care of
        everything. Here is my question. Is the premium increase proportional
        to the cost of the repair?
        \- is your friend insured and is the damage small or are we
           talking hospital bills and potential lawsuits? there are probably
           a lot of factors that will go into the increase amount. if you
           have already disclosed this to your insurance why not just ask them?
           \_ Insurance follows the car, not the driver, yes no?  The friend's
              insurance will only apply for liability if anything.  I don't
              even know if it comes to bear at all.  If he has any balls, he'd
              pay your deductible and buy you drinks for life.
        \_ Yes, it is.  Your rates will go up for *any* claim and they'll go
           up even more for bigger claims and then again some more for doing
           something *REALLY FUCKING STUPID* like loaning out your car to
           someone else which shows a *TOTAL AND COMPLETE LACK OF BRAINPOWER*
           on your part.  You can expect your rates to rise by at least 30%
           and maybe more and I have no sympathy for you.
       \_ Did you at least get laid?