In general, when you purchase auto insurance, you are buying it to cover the car, not the person who is driving it.  If the car is involved in an accident, you’re covered.  If you are injured in that car, you’re covered.  If someone else is injured in that car, he or she is covered.  If someone is injured by that car, there is coverage.  There are some gray areas, but this is the general rule. 

Then what’s the driver got to do with it?