^^^^^YUP

the car is insured, and if he had hit someone else, then it prob would have been covered, for the sake of injuries and hospital bills.

actually i take that back. you need to find out what his policy states. Some insurance companies extend the coverage to a third party for a certain amount of time. other companies do not. IE you let someone borrow your car and they hit someone, you are on your own.

I know my insurance company allows a secondary driver to operate my vehicles. I do know some insurance companies expressly forbid it.