Does my insurance cover an uninsured motorist driving my car? 
When a licensed driver operates the insured car you own you are insuring the damage or injuries they cause in most places in this country . Insurance follows the car in Ohio . The driver has the financial responsibility for the injuries or damage in Ohio too if the car is not insured . The unfortunate answer is that permissive use by non-rated drivers is something insurance companies hate paying for and would love to avoid . It is something to ponder before loaning out your car because if it happens to you you wo n't be happy having the loss tagged to your record . I suggest you check with an agent in your state of domicile for the most accurate answer . 