The UFO could be issued a citation for taking an unauthorized vehicle on a public roadway, which would give you a very strong case to have them pay for any damages to your car in the event of a collision.

However, if you don’t have full coverage, or uninsured motorist coverage at least, you will be in for a battle with your insurance company when they can’t track down the other driver (pilot?).

As always, defensive driving is your best bet. Avoid the collision and none of the other details matter.

The math might change if it’s one of those anal probe aliens, though. No judgement if that’s your thing, but I also won’t blame anyone for avoiding that situation even if it costs them a few out of pocket repairs.