Who is insured?
As a rule, the U.S. insurance protects any person that controls the insured vehicle, except for members of the family owner of the car – they must be specifically set in the policy. That is, when you’re driving your friend – you are not protected by their insurance, but his.
You can also exclude from coverage, and individuals.
There is a market auto insurance and a special kind of insurance for those who have not owned a car, but who by virtue of any reason to go is still necessary – “individual policy»(Named Operator Policies). Such insurance, including useful to those who have been deprived of rights and to restore them must produce insurance.