Who Can Drive My Car Under My Insurance? 
Auto insurance generally follows a vehicle , so guest drivers are usuallycovered . Your insurance company has the right to contest claims made by people who are excluded from your policy . If you permit someone to driveyour car regularly , he or she should be listed as an operator . It can be considered fraudulent if you share a car with someone on a regular basis without listing that person on the policy . Examples would be a young driver or someone with a DUI . Always read your policy document , and remember , if it is your car , you will be held liable if the damages exceed your insurance policy , so be careful before lending out your vehicle . 