If you lend your car or drive someone else’s, understanding car insurance coverage is crucial. Generally, the vehicle owner’s policy covers accidents, even with non-listed drivers. Exceptions include unauthorized use, business purposes, or excluded drivers. State laws and policy details vary, so clarify with your insurer. Ensure your coverage meets minimum state requirements and consider optional collision and comprehensive coverage. Rental cars may be covered by your primary policy or additional insurance from the rental company or credit card. Be cautious with named driver policies, as only the policyholder is covered. It’s best to list regular drivers on your policy to avoid potential coverage issues or policy cancellation.

Read more at Yahoo Finance: Does car insurance cover the car or the driver?