Owner of car says is insured and you are covered-you crash-it turns out the not insured-your insurance covers other party but were driving. Who pays for damages to car?

In such circumstances, the car owner's insurance should cover the damages to your car since they falsely claimed to have valid insurance and misled you into believing you were covered. However, specific outcomes can vary based on local laws and regulations, so it is essential to contact your own insurance company and report the incident. They will be able to guide you through the process, offer legal assistance if necessary, and ensure that your interests are protected.