As far as I know,I'm the only one insured to drive my car.Let's say I loan you my car and you wreck it,what happens when the insurance company finds out I wasn't driving?And if what you say to the judge gets back to the insurance company,will they either raise your rates or at worst cancel your policy?
If I wreck your car, my insurance covers it

I've asked that question before of my Geico rep and was told the 2 people in my household are covered to drive my car, and I'm covered no matter what vehicle I'm in (friends cars, family, rentals, whatever)
Someone can correct me if I'm wrong, but I believe in NY the insurance always goes with the driver, so as long as I loan it out to a licensed and insured driver, there's no reason for the insurance company, or anyone else, to have anything to say about it.
Either way, I'd be shocked if the court wasted their time contacting insurance companies to report excuses/testamonies
