I thought the damages would still be covered by the owner's insurance. I mean people lend their cars to friends and family who aren't in their insurance quite often so this isn't exactly a case that's never occurred before. In the past I have had to drive people home from the bar in their cars after they've had too much to drink. If I know I would be liable in case of an accident I would hesitate doing that going forward. Probably find another way to help.