Typically, the vehicle at fault for the accident determines coverage after an accident. No matter who drives your car, the at-fault driver’s insurance will typically pay the damages. However, suppose you loaned your vehicle to someone else, and they are at fault in an accident. Your insurance will be responsible since your car caused the accident.
One thing to keep in mind is that your insurance may pay for damages, but you may still need to pay any deductibles your plan specifies.