I was out of town on a business trip. I told a friend she could borrow my car only in the event of an emergency. She drove it to work several times and to visit an ex boyfriend. She drove it out in the country, in deep mud, and wrecked it into a tree. I had no insurance on the vehicle; however, she had full coverage on her vehicle which was in the shop. Should/will her insurance cover it? Also, it's going to cost more to fix my car than it was actually worth. Is she responsible in anyway, and if so, is she liable to give me the replacement value of the car or to fix the damages she caused?