If your teen borrowed your car and crashed it without insurance, the big question is usually who pays. In many cases, the answer starts with the car owner’s insurance, not the teen’s, because auto insurance generally follows the vehicle. But whether you’re financially responsible can depend on who owned the car, whether your teen had permission to drive it, what your policy says, and what state law requires. That means the outcome can range from “your insurer handles most of it” to “you could be sued personally for the damage.”