Who Is Covered Under My Car Insurance? 
May depend by State or plan . Unless excluded specifically by some insurance companies ' plans , car insurance usually covers anyone using the vehicle with permission , includingspouse and dependent relatives.But there may be limitations on certain first party coverage -LRB- Personal Injury Prot , Physical Damage -RRB- for `` licensed household resident members '' . Any `` licensed household resident member `` must be stated on the application for insurance -LRB- a sister , brother , grandma , uncle , FRIEND , significant other etc. . -RRB- . If not , and that person ins involved in an accident , carrier will most probably deny claim . Insured may sign an exclusion if they do n't want `` Granny '' to be included , but is `` Granny '' then is involved in an accident , there will be problems . 