If a friend drove your vehicle when there was no insurance and involved in an accident who is liable for the cost to replace car?

In most cases, if a friend drove your vehicle without insurance and was involved in an accident, you would be liable for the cost of replacing the car. This is because you are the owner of the vehicle, and you have a legal responsibility to ensure that it is insured when it is being driven.

However, there may be some exceptions to this rule. For example, if your friend was driving your car with your permission but had their own insurance, their insurance may cover the cost of replacing the car. Alternatively, if your friend was driving your car without your permission (e.g. they stole it), they would be liable for the cost of replacing the car.

It is important to note that the specific rules regarding liability for car accidents vary from state to state. Therefore, you should consult with a lawyer in your state if you have any questions about your rights and responsibilities in this situation.