> Your injuries could potentially be more than what your insurance would pay, thus your driving friend would be liable for the injuries.

I suppose that could happen to some, but my insurance pays for all care after I satisfy the flat out-of-pocket requirement.

I suppose my friend would be liable for the out-of-pocket cost, but that would typically be only several hundred dollars--a fair amount of money, but not much relatively speaking if this is a wreck that caused injuries.