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I was out of the state when my roommate borrowed my car and crashed it into another moving vehicle. My car insurance had lapsed, and she was uninsured, as well. No one was injured, but the other vehicle's insurance is seeking damages for the vehicle, which was totaled out. Does the burden of proof fall on me to prove it was taken without my knowledge, being thousands of miles away, or does she have to prove that i gave her permission?
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