my son lent his car to a girl who ran a red light and caused an accident. his car was totaled and she is refusing responsibility saying his brakes failed and that the passenger in the back seat will attest to that. my son has maintenace records showing the car was well-maintained and the front brakes were changed 10 months ago and the rear brakes that were damaged in the accident had 50% brake pad life left. my son asked her to reimburse him the lower of either 1) the blue book less salvage plus towing fees or 2)the cost to repair. he got a written estimate for the repair and a copy of the kelly blue book value for his car. his insurance did not include collision coverage and that is why he would like her to take 100% responsibility for replacing his car since as it stands, his insurance premium will be negatively impacted since she was found to be 100% responsible for the accident and his insurance will pay out to the damage to the other car as well as medical claims. she is claiming that he lent her a "faulty" car as the brakes failed and he should be thankful she prevented him from being in an accident. she had hired an attorney and she is telling him he threatened her life as well as her 3 passengers by lending a defective car to her. my son is not even entertaining her comments (which he has on email) but is proceeding to file a lawsuit in small claims court. note that the 2 are students in a major university. my son is 21 and the girl he lent his car to is 20. the other question is this? she has car insurance as she just purshased a new foreign car and it was at the dealership hence her request to borrow his car. can her insurance cover the damages to the other car as well as reimburse my son for his car?