I see, so in this case, only commercial insurance can help B avoid insurance price increases, just like people purchasing extra insurance when renting the car in Turo or other traditional rental companies?
My first question is:
whose insurance should be used for the accident of a borrowed car?
I've searched online, if A borrows B's car under B's permission, then the car's owner, which is B, should use his own insurance to pay the car's damage if A runs into an accident(and A is the one hits...