At work, me and a few co-workers returned from lunch and we had taken a friend’s car. I got out of the car (back seat driver’s side) and hit the door of the car parked next to us and it left a ding. I don’t think my friend was aware that it happened but I did notice. I didn’t leave a note or anything but I took down the guys license plate and plan on going to security to have them page them so I can let them know what happened. Question is how does this work in terms of insurance. Would it be my fault financially (It is my fault and I am willing to take responsibility) or would it have to be charged to the driver’s insurance since it is their car? Is there any way that I would use my car insurance? Would that cause my rate to increase?
Edit: Located in New York, USA