Can Other People Drive My Car Under My Insurance? 
If a person is not listed on the same policy as you they are not covered by the policy just because they are driving your vehicle . Auto insurance typically follows the driver not the vehicle . This means if someone drives your vehicle and they have their own insurance coverage their insurance carrier would be the first to pay for claims from a covered accident that the driver was involved in . If the person driving the vehicle with your permission does not have insurance coverage then your insurance coverage would pick up in the event of a covered accident . 