As a general rule, coverage follows the vehicle first and the driver second. Now, most insurance policies will cover any other person using the insured's vehicle with the insured's express or implied permission to do so unless a specific exclusion applies. The insured should check with the insured's insurance company to see if any such exclusion applies. If not, then the other driver would be covered for this loss under the insured's policy - even if the driver's license was suspended at the time of the accident. However, other consequences may apply. The laws regarding driving with a suspended license vary from state to state.