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How do you handle car insurance on a road trip with multiple drivers?

I'm going on a road trip from Canada to the US, and we have four people driving (including the owner of the car). Since any accident (no matter the driver) will impact the insurance of the car owner, what's the best way to deal with an accident? Driver agrees to pay direct costs associated, if anything were to happen? (though it may still impact their car insurance premiums in the long term?) Pre-pay an informal fee like $100, and if an accident happens you are absolved? If no accident, then it's free money for the car owner? How do you equitably handle it? The trip hasn't happened yet, but I figure it's best to iron out issues now rather than when it actually happens, then we become bitter enemies.

   








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https://omunudchesdi.wordpress.com/2017/05/26/insurance-status-of-a-car-buyer/

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How do you handle car insurance on a road trip with multiple drivers?
I'm going on a road trip from Canada to the US, and we have four people driving (including the owner of the car). Since any accident (no matter the driver) will impact the insurance of the car owner, what's the best way to deal with an accident? Driver agrees to pay direct costs associated, if anything were to happen? (though it may still impact their car insurance premiums in the long term?) Pre-pay an informal fee like $100, and if an accident happens you are absolved? If no accident, then it's free money for the car owner? How do you equitably handle it? The trip hasn't happened yet, but I figure it's best to iron out issues now rather than when it actually happens, then we become bitter enemies.