I have car insurance liability coverage of 20/40/15. If I let my insured friend borrow my car, how much coverage would his insurance provide if he got in an accident?

 Liability coverage pays for others' injuries and property damage when you cause an accident. It does not cover damage to your own vehicle. You must have collision coverage, which is optional, to pay for repairs to your car.

Your liability insurance would pay out first because it covers you plus anyone who drives your car with your permission. According to your policy's liability limits, the insurer would pay up to $20,000 for each person's injuries, up to $40,000 for all injuries and $15,000 for property damage per accident.

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In some cases, your insurer and your friend's insurer would share costs proportionately. In this case, your insurance would likely pay the full cost and then seek compensation from your friend's insurance company to recover his share.

Even though car insurance provides coverage to people who borrow your car, it's never a good idea to lend a vehicle to someone who is uninsured, particularly if your liability limits are low. If an uninsured friend caused an accident with serious injuries and property damage, the costs could easily exceed your policy's 20/40/15 limits, and the injured parties could come after you for medical and property-damage expenses.

For more, see when your friend crashes your car: the rules of auto liability.