這是ChatGPT的回答（似乎不隻是cover car damage，也包括人身傷害）：

問：When my friend drives my car and involve in accident, will my car insurance apply to my friend?

ChatGPT 的回答：

Generally, car insurance follows the vehicle rather than the driver. This means that if your friend is driving your car with your permission and is involved in an accident, your car insurance will typically cover the damages. Here’s how it usually works:

Liability Coverage: Your liability coverage will pay for damages your friend causes to other people’s property and for their medical expenses if your friend is at fault in the accident.

Collision Coverage: If your car is damaged in the accident, your collision coverage will pay for the repairs to your vehicle, regardless of who was driving.

Comprehensive Coverage: If the damage to your car is due to something other than a collision (e.g., theft, vandalism, or weather-related damage), your comprehensive coverage will apply.

Uninsured/Underinsured Motorist Coverage: If your friend is hit by an uninsured or underinsured driver, your uninsured/underinsured motorist coverage will protect them and the vehicle.

However, there are some important points to consider:

Permissive Use: The coverage typically applies if your friend had your permission to drive the car. Some policies may have restrictions or additional conditions for permissive use.

Named Driver Exclusions: If your policy has specific exclusions for certain drivers (e.g., a named driver exclusion), those individuals would not be covered if they drive your car.

Deductibles: If a claim is made, you would still be responsible for paying any applicable deductibles.

Policy Limits: Your insurance policy limits will apply in the event of a claim. If the damages exceed your policy limits, your friend’s insurance may serve as secondary coverage.

Frequent Use: If your friend frequently drives your car, it's advisable to add them to your policy as a listed driver to avoid any potential coverage issues.

To be sure about the specific terms and conditions of your policy, it's always a good idea to review your policy documents or contact NJM directly for clarification.