Does Auto Insurance Cover The Person Or The Car? 
The answer can be both , but it would be a good idea to discuss this with your Insurance Professional to understand how your policy works . If the policy provides only Physical Damage coverage -LRB- Comprehensive and Collision -RRB- , then the car is covered . If it only provides Liability , uninsured and/or under insured motorist coverage , then it covers the named insured and anyone else so stipulated in the policy . If then the policy includes both physical damage and liability coverage , then both the car and the person are covered . 