Technically your friend is responsible. But If you want to keep him a friend, maybe offer to split the cost. Also try to talk down the repair shop to $1500.
The aforementioned opinion does not constitute legal advice and is for general educational purposes only. See an attorney licensed in your jurisdiction for competent legal advice. No attorney-client relationship has been formed through the within legal question and answer session.
Your friend was the driver when the accident occurred, so theoretically your friend would be. But since he only had a learners permit you assumed the risk when you let an inexperienced driver drive your car.
I am only licensed in Arkansas. No part of this answer should be construed as creating an attorney client relationship.
Under NY law the owner is as respsosible for the negligence of someone driving the car with permission. Why won't your carrier cover the loss?
I am a former federal and State prosecutor and now handle criminal defense and personal injury/civil rights cases. Feel free to check out my web site and contact me at (212) 577-9797 or via email at Eric@RothsteinLawNY.com. I was named to the Super Lawyers list as one of the top attorneys in New York for 2012. No more than 5 percent of the lawyers in the state are selected by Super Lawyers. The above answer is for informational purposes only and not meant as legal advice.
The owner. Retain a local insurance lawyer to deal with your insurance company and hold their feet to the fire.
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