Who Is Covered Under Your Auto Insurance? 
This depends upon your state and your insurance carrier . I will first speak generally then about the Michigan rules . General : anyone who is a family member and living in your home is covered by your auto insurance . Anyone who is borrowing your car with your permission is covered . Those are the major general coverage . Michigan : no-fault insurance goes like this 1 . owner of the car , 2 . driver of the car , 3 . someone in the car , 4 . a household family member who has no-fault . The general trend in Michigan is to find someone with insurance and make a claim against it , to prevent a mini-tort . I hope this helps . 