It is the car's insurance company that pays not the driver's. So, your cousin needs to read his insurance policy. If the policy says that anyone driving the car with the owner's permission is an insured, then the company that insures the car will have to pay.
However, there are some policies that will insure only some designated drivers and in this case, the company will only pay if your cousin's friend is on the designated list of drivers.
This will depend on a few things. First, did the person who owned the vehicle have insurance which included physical damage for collision? If so, then that policy should cover the damage to the vehicle.
Second, depending on the state in which you live, insurance may not extend to someone to whom you "loan your car. " If this is the case, then there might be no coverage. Third, depending on the insurance policy of the driver, there may be some coverage when operating someone else's vehicle, but generally this only applies to a third party (in this case, the truck).
Did the friend even have a vehicle? If so, why were they borrowing your cousin's vehicle? I ask because a "temporary replacement vehicle" may have coverage under the policy of the friend in this case.
Let's say the friend's car was in the shop due to an accident, there might be coverage under the friend's policy given this clause. Both people involved should report the collision to their respective insurance carriers. My opinion, your cousin's policy will probably end up paying for the damages.
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