Does Car Insurance Cover The Driver Or The Car? 
When you purchase car insurance the insurance agetns require that you declare who the primary oerator of each vehicle . This declaration means that if the `` driver '' of the car has an accident then the coverage of that vehicle with that driver was declared on the application . What happens if you are driving a friend 's car with his permission-then you are covered by the permission granted to drive the car , assuming you are legally licensed . 