car insurance question

[Brak]

Well, i backed up into a guy's car while borrowing my friends car. I looked it up, and i saw that the rule of thumb is that the insurance follows the car, and the claim was filed with his insurance company. We have to fill out the forms and stuff now, and i was wondering if anyone has any experience with this situation?
i really dont want his rates to go up, so my plan right now is to make sure his company know that I was the driver not him, and i want to try and have the part in his contract that insures drivers other than him taken out, so that his rates dont go up in fear another driver getting in an accident while borrowing his car. will this work? is there any other way that we can avoid his rates from going up?

[BeaverEater]

well it depends on what kind of coverage he has, you would have to talk to your agent. Also it might be better just to pay it in cash depending on how much damage there is.

[Lohman446]

If you turn in a claim (assuming his policy has none on it yet) it is going to go up - especially if the at fault party was in his car.

[Fred]

if you don't want his rates to go up, you've gotta pay out of pocket...