Car insurance can cover both the car and the driver. The car is covered on an auto policy and those drivers are that are covered to drive the vehicle are defined inside the policy coverage definitions.

Most policies will cover all drivers that are not excluded but given permission to drive the vehicle. There is no blanket answer to what or who an auto insurance policy will cover so you would need to refer to your specific policy's declarations and application.

Examples of how auto insurance can cover a vehicle and/or a person - If you own a vehicle it will be listed on your policy and insurance would follow the vehicle for when you loan your car to others. Or if you do not own a vehicle you can have non-owners auto insurance in which case that insurance would cover you, but normally as secondary insurance on a vehicle. The insurance of the owner of the car, the one you borrowed since as a non-owner you would not have one of your own, would be primary.

Thus car insurance coverage typically follows the car first and then the driver when the car is loaned out to someone with permission. So if your friend borrows your car and is in an accident your insurance would be primary and the friend's insurance would normally be secondary or excess.

In some cases though the driver's insurance would be primary for their own injuries even if they were operating a friend's vehicle. This is normally the case in a no-fault state such as Florida where the driver's own personal injury protection (PIP) policy would be used for their injuries, not the car owner's if they were in someone else's car at the time of the accident that inflicted the injuries.

If there are specific state insurance laws you want to know about in Georgia you can contact the Georgia Insurance Commissioner whose consumer division should be able to help you.