...responsible to fix it? I was out of town and told her she could drive it only if there was an emergency. She drove my car out in the country, to visit an ex boyfriend, got it stock in mud... and wrecked it against a tree. She says she should only pay me what my car was worth; however, it's going to cost significantly more to fix it than my car was actually worth. She told told me her insurance wouldn't cover it since I had no insurance. I don't know what to believe.