What happens if two people get in an accident and both people were driving borrowed insured cars but neither person was on the insurance policy?

Well in this situation, lets hope that both parties were licensed drivers, and they were not excluded from the policies of the vehicles in which they were driving. In most situations an insured can allow a driver to drive there vehicle, under the permissive use section of there policy. Permissive use simply states that a person can drive your vehicle on an occasion if they are not a family member from within your same household. 99% of insurance companies offer permissive use, so in most cases the drivers or the insureds have little to worry about. Thank you for answering my question. ^_^ Unfortunately, I know for sure that I was excluded from my boyfriend's policy but I'm not sure about the other person and the other car. It's been three weeks since my accident and no one from her side has contacted me in the last week and a half so I have no idea what's going on with her side. They sent me a claim form but I'm not filing a claim on them...does anyone know what happens next? I'm really confused. This is the first time I've gotten in an accident and no one's been very helpful so far (except you guys). Hopefully I can get some guidance...I'm not a very wealthy person and I don't want to end up paying more than I can for her car repairs. So if ya got any info I'd really appreciate it. ^_^ Thanks again!