I don’t have a driver’s licence, but I was backing my niece’s car down our driveway just to move it out of the way. At the same time, another vehicle pulled into the driveway next to ours, over the gravel in between, and onto our driveway. I backed into him. My niece is fully insured, so will the car be covered? Will her rates go up even though she wasn’t driving? – Anita, Nova Scotia In most of the country, when you borrow somebody’s car, you borrow their insurance – so if you crash it,...