Suppose that you only have liability and comprehensive car insurance and you allow your roommate (who doesn't have car insurance) to drive your car to run an errand. what will likely happen if there is a single-car accident causing moderate damage to your car while your roommate is driving?

If you want your friend to pay damages it's a civil suite you would have to take him to court and file a report. If you only have liability your insurance company won't cover a single car accident it only covers the others cars and or people you are involved in an accident with. Full coverage is the type that covers such accidents with usually a deductible included.

The answer is c because the law is facts