Car accident Options

[junhus69]

On monday night everyone i knew was studying for their final exams on tuesday. 2 of my friends decieded to go to the library, there they saw 2 of my other friends. One of the guys wants to buy my other friends cars so he asks him he could take the car around the block, my friend thinks about it and says yeah. He doesnt go with him b/c he was studying hard. I get a call 2 hrs later from the owner of the car stating that i should call the guy that test drove the car becuse hes been gone for 2 hrs and has not brought the car back. Im thinking to my self that my friend is an idiot for giving his car keys to someone. So i tell him hes a dumb ass and that they probably stole it. I was online at the time and my friend on aim tells me that there was this big accident on skokie bulovard, 2 min away from the library. Im like **** maybee. I ask him if there was a honda civic involved he like yeah. I call up my friend the owner of the car to tell him about the accident. he does not belive me and i tell him that im gonna meet him down there. i get there and it turns out to be them. Thsnk god no one is dead b/c they were not wearing any seat belts and they were ejecterd from the vehicle. The driver has a broken arm and the passenger has 5 broken vertebretes but i hope he e gonna have a full recovery.

Who's insurance is gonna pay for this?? THe owner of thr car, or the guy driving the car??