You can also take out comprehensive insurance, collision insurance, emergency insurance, car rental insurance, glass insurance and other add-ons as part of your own policy. These could be beneficial after an accident. However, since they are not a requirement, you may need to take legal action against the responsible party to cover these costs if you don't have this coverage. If the person driving your car has their own car insurance policy, their coverage can act as insurance secondary to yours.
There are some situations where your insurance may refuse to pay for damages if someone else was driving your car. If the costs of the accident exceed the limit of your policy, then the insurance of the person driving your car may cover whatever is left. No one should give a recorded statement to an insurance company, not even to their own insurance company, without first consulting an attorney. If someone else drives your car and someone else causes the accident, the at-fault driver's insurance is usually responsible for covering the costs.
If you allow another driver to use your vehicle and a car accident occurs, you must file a claim with your own insurance company. If you then let that person drive your car and this causes an accident, your insurance won't have to pay for those damages.