In general if you give someone permission to operate your vehicle and they are in an accident while driving it your insurance company would cover the accident. There are sometimes exclusions in your policy though that allows your insurance company to deny a claim, so it is best to contact your insurance company and verify that your friend or relative or whoever will be driving the car will be covered by your policy.

Even if the person you allow to drive your vehicle has their own insurance it is normally your insurance on the vehicle that is gone to first if that driver is in accident. Insurance follows the vehicle first or primarily, thus the car owner's policy on the vehicle, and the driver second. If the limits of your policy are exhausted then the driver's liability coverage may be gone to as excess or secondary insurance coverage usually.

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