好多保險好像有這一項，cover名字不在保險上的司機。看看你們州是什麽規定。

Generally speaking, auto insurance follows the car instead of the driver. Follows the car, meaning: if you lend your friend your car and your friend gets into a collision, your insurance would cover it, and if your friend lends you their car and you get into a collision, your friend's insurance would cover it.