a year ago my mom and i purchased a car from a local dealer. we didn't have good credit so the financing and everything was done in a friend's name. we have insurance on the car in my mom's name with the friend's name on there as well. yesterday my mom had an accident (fender bender), small where the passenger doors were damaged pretty bad. my question is will the insurance cover the damages. we're still unclear who was at fault. we have full coverage with state farm. the other person involved had no insurance. i have little experience when it comes to this kind of thing so i'm a little nervous and need a little advice.

EDIT: my main concern is that the friend will be held responsible. the car is in our friend's name but the car is insured under my mom's policy with our friend's name on the policy also.