Wondering of any complications that will come of this. Here's the scoop: me, driving someone else's car, rear ended someone else. I live in Texas. I drive the same car, insured in Texas. Car owner lives in Southern California. It's insured by Farmers Insurance. Car was being driven in Northern California. Car that was hit resides in Northern California. I'm at fault. No ticket issued. Really, this isn't something to conest - racing brake pads do NOT stop a car after being in stop & go traffic for 45 minutes. The car owner says to pay him $500 for the deductable, which I have no problem with. He says it will not effect his insurance since I was driving. Is this correct? Will it come back to my insurance company? BTW, the impact was only ~5mph, but did some hefty damage on my friend's car, and not much but a bumper replacement on the other car which was a Civic.