To answer this question, you should consider whether the driver had permission to use the car. If they had either express permission or implied permission, then Nevada Revised Statute 485.3091(1)(b) requires that the car owner’s liability insurance extend to them. As a result, the car owner’s insurance policy will pay out benefits to injured victims. Express permission is explicit confirmation that a person can drive the car. Implied permission might exist where someone regularly borrowed the car and the owner did not object.