Does Car Insurance Cover Occasional Drivers? 
If you mean a family member living in your household then the driver should be listed on your policy as an occasional operator . You can lend your vehicle to someone on occasion and they would be covered however keep this in mind : In most states the Insurance first follows the driver and then the vehicle . If the person you let drive your car has insurance and is involved in an accident , that persons insurance would pay . If they do not have insurance YOUR insurance pays , resulting in possible rate increases . My advice is NEVER lend your car to someone who does not have insurance ! 