Myself and 2 of my buddies live together. I was sleeping and I normally allow my roomate to drive my car every now and then- like once or twice a month. Well a few days ago my rooomate took my car and apparently went drinking with his buddy. Since my roomate was really drunk he let his buddy drive (my car of course) who apparently was also drunk (barely over the legal limit) and he rear ended another car. Will my insurance company pay for the damage to my car which will likely be in the $3000 range and if the other party that was hit (apparently not hurt) can they sue me for damages to their car or any possible injury and if so would my insurance cover it? Once again, I never gave this guy I barely even know permission to drive my car.