Q: I lent my car to someone. He got in a car wreck. Which insurance pays: his or mine or both?
A: The answer is not both! You are only entitled to be paid once for the damage to your car. If you get paid twice, send one check back!
The simple answer is that the other person was a permissive user of your car. In California, insurance follows the car. Therefore, the insurance on the car would pay for the damage to the car. Now, that insurance company may have a case against the driver, but that is a different post.