Does Car Insurance Cover All Drivers? 
Coverages can vary by State - but in Texas the insured party is defined as 1 -RRB- Named Insured 2 -RRB- Spouse and 3 -RRB- residents of the household . There is normally some coverage for permissive drivers . There is NO coverage if the vehicle is stolen or used for some type of criminal activity . Coverage can also be excluded on drivers - so they may or may NOT be covered . It 's best to read your policy and determine who IS and who is NOT insured ! Hope this helps ! 