1。Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none
http://answers.yahoo.com/question/index?qid=1006050401634
2。Is My Car Insured if a Friend or Family Member (Not on my Policy) is Driving?
下麵是汽車保險公司 Allstate 給的答案：
Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who’s driving it.
That said, in order to be fully covered by your insurance policy, the person driving your car must have permission (verbal or written) to do so.
The person driving your car must be an occasional driver only, not a regular driver or user of the vehicle. If they get into an accident while driving your car (and considering they had your permission to drive the car at the time of the accident), your auto insurance will be considered the primary coverage in any accident-related claim that’s made. The driver’s auto insurance coverage will be considered a secondary coverage, and will only activate if damage claims exceed the limits of your policy.
http://www.allstate.com/insurance-made-simple/family-or-friend-insured.aspx
3。下麵是另一保險公司的回答：
...This means that if you are in wreck while driving a friend´s car, your friend´s policy will usually pay (primary).
有意思的這文章提到了，如你用你朋友的車出了車禍，你朋友的保險公司先付，超出你朋友保險額的在由你的保險公司付（但在實際執行時你的保險公司可能會扯皮拒付）
http://www.carinsurance.com/kb/content42265.aspx
4.
If I loan my auto to a friend, is he/she covered by my car insurance?
這是另一個保險公司GEICO其網站上的答案：
Other Drivers and Your Car's Auto Insurance Coverage
The liability coverage contained in your auto insurance policy insures you, your spouse, family members, and anyone else who uses your auto. As long as the driver of your car has your permission, he/she is covered by your car insurance.
The amount of liability coverage you select determines how much the car insurance company will pay you in the event of an accident.
這也說明保險是根車走的。
