In state of GA, a person drives his friend's car and gets into an accident. Can this person's insurance (AllState) cover the repair (for the car he was driving as well as the car he hit) or does it have to be through the car owner's insurance even if he wasn't in the car when this happened?

First party coverage (Collision/specified perils/comprehensive/all perils) ALWAYS follows the vehicle insured.  When you take out first party coverage it is for the described vehicle on that policy.  Now, there are some polices that will extend some first party coverage to other vehicles; however, without seeing your policy wordings I cannot tell you for certain whether or not your policy does.  Generally, when this is allowed under a policy it is only allowed for vehicles that are temporary substitutes (vehicles you do not normally operate but are doing so because the insured automobile is incapable of being operated at that time... like a loaner if your car is in the shop) and newly acquired vehicles (vehicles you have purchased in the past 7-14 days depending on the policy and have not been able to insure yet).  When a first party coverage is extended to a vehicle other than the described automobile it will nearly always be considered secondary coverage, which is to say that it will only apply after the first party coverage (if it exists) on the vehicle that was involved in the loss has been exhausted.  Based on what you have put in the question it seems more likely than not that the damage to your friends vehicle will need to be claimed through his own insurer. In GA (as with most north american jurisdictions) the owner of a vehicle is vicariously liable for the actions of any person operating that vehicle with their permission.  This is to say that despite it being you who was operating the vehicle and struck the other vehicle involved your friend (the owner) is on the hook for the damage to the other vehicle involved (assuming the collision was in fact your fault).  Because of this, it will be the liability coverage (Third party property damage) on the vehicle involved (your friend's) that will be the first one to pay for damages to the other vehicle.  Now, if the liability limits on the involved vehicle (your friend's) are insufficient to cover the damage to the other vehicle then your automobile liability coverage from your own policy will likely kick in to cover the rest of the damage to the other vehicle (again, I would need to see your policy wordings to tell you this for certain).  So, it looks like your friend's insurance will again be taking care of this damage. I cannot answer positively regarding Carfax and/or Autocheck. ** note, none of the above should be considered legal advice, nor is it the best way to have your question answered.  I recommend both you and your friend contact your insurers and allow them to sort it out.

1 - Ask your insurance company (AllState).  The others answers are correct - usually in the USA it is the car that is insured, not the driver, but still ask to be sure.  Some insurance companies offer different terms. 2 - Whether it falls under "collision" or "property damage" depends on the terms of the insurance policy. Again, ask the insurer. 3 - Yes, insurance companies normally report accident damage to databases like Carfax.

First of all, as others have pointed out, the policy follows the vehicle and not the driver.  In this case, the car owner's insurance policy covers the accident and not the driver's.  The repair cost of the car would depend on the liability determination outcome of the accident.  Collision coverage could cover the car owner's damage regardless who is at fault.  If it turns out the other party is at fault, the other party's liability coverage (Property Damage) would cover the cost.  Car owner's own liability coverage never covers his own car, but if the driver is at fault, the car owner's policy would pay out to other party's damage. Again you should always contact your insurer when accident happens to figure out the exact detail.