You should not be driving a vehicle without insurance. The fact that someone gives you permission to drive their vehicle does not mean you have carte blanche to cause damages. If you are responsible for the accident and you caused damages to the vehicle, you are liable for the cost of the repairs. You may also be liable for rental car expenses and/or loss of use damages for a reasonable period of time.
Yes. A car is a 4000 or so pound deadly weapon. You shouldn't be "messing around" and chasing each other! Especially since you don't have insurance! What if you hit another vehicle and caused injury to someone else? The owner can take you to court - he may have some liability because he was involved, but you were driving. Period.
Did he give you permission to damage it??? This is not a hard question. Whether you had permission to drive the vehicle or not, the person who caused the damage is responsible for it. That person is you.
You can reach Colorado Legal Solutions by phone or email. Stephen Harkess is an attorney licensed in the state and federal courts of Colorado. This answer is for general information only and does not create an attorney client relationship between Stephen Harkess or Colorado Legal Solutions and any person. Sometimes free advice is only worth as much as you paid for it. You should schedule a consultation with an attorney to discuss the specifics of your legal issues.
Sign up to receive a 3-part series of useful information and advice about personal injury law.