I would’ve taken a different lesson out of this. My wife and I bicker about this from time to time. I like all of my vehicles(that I care about) to have full coverage for this reason. Every time she reviews our policy, she’ll change whatever I’m driving to liability only. Then I see it eventually and restore full coverage. She wants to save that $9 a month or whatever it costs. I want to get that $1200 check if the car flips over. Both sides make sense I guessThe valuable lesson I've learned at this point is that I will make sure to get an agreement in writing if I ever loan my car again
we still love you and we still love your xterra but my best advice in this situation would be not to sacrifice a friendship over a crappy car. You obviously have a good friendship to help these people out this way. You’re smart enough to know the risk. Relationships are hard to build these days and I wouldn’t necessarily throw this one out the window because of something nobody wanted to happen