You will have to speak to your insurance company to get the specifics of your insurance policy coverages. Typically though one or two names are listed in the "named insured" section of a car insurance policy but that does not mean that those are the only people covered under the policy. Generally if all of the household members are listed as drivers, cars can be shared. Insurance coverage usually follows the vehicle first and then the driver so that would mean the vehicle's deductible would be the one asked for, not the driver's.

Your insurance policy might have exclusions for certain drivers or other particulars that make it different from what would typically occur so that is why you need to speak to your insurance agent.