This happened in Pensylvannia --- A friend of my 25 year old son let him use his membership to Philly Car Share (non profit company letting members use cars by hour). So it was authorized but from the point of view of company -- probably not. My son ( a student) does not have a car or insurance. Last evening he had an accident (left turn on a green light) and was hit on the passanger side by an oncoming car. There were no injuries but both cars got some damage. Police came and took all information; they also called a tow company to move the car (per my son, seemed quite sympathetic to his plight but this does not mean he was not at fault). Sounded it is mostly an insurance issue rather than traffic violation problem. My son's friend is out of the country. The first question is what should he/we do next: contact the rental company? Does it make any difference whether he does not have insurance? What should happen with his (perfect up to now) driving record? Is ANY isurance going to pick up any of the costs?