保险绝对不是跟人走的, 是跟车走的，不要在此误导。请看下面我给出的连接

1。Does auto insurance cover a person or an automobile?What if someone drives your insured car and they have none

http://answers.yahoo.com/question/index?qid=1006050401634

2。Is My Car Insured if a Friend or Family Member (Not on my Policy) is Driving?

下面是汽车保险公司 Allstate 给的答案：

Auto insurance is designed to follow the car, which means that the coverage you purchased for your vehicle will cover the car regardless of who’s driving it.

That said, in order to be fully covered by your insurance policy, the person driving your car must have permission (verbal or written) to do so.

The person driving your car must be an occasional driver only, not a regular driver or user of the vehicle. If they get into an accident while driving your car (and considering they had your permission to drive the car at the time of the accident), your auto insurance will be considered the primary coverage in any accident-related claim that’s made. The driver’s auto insurance coverage will be considered a secondary coverage, and will only activate if damage claims exceed the limits of your policy.

http://www.allstate.com/insurance-made-simple/family-or-friend-insured.aspx

3。下面是另一保险公司的回答：

...This means that if you are in wreck while driving a friend´s car, your friend´s policy will usually pay (primary). 

有意思的这文章提到了，如你用你朋友的车出了车祸，你朋友的保险公司先付，超出你朋友保险额的在由你的保险公司付（但在实际执行时你的保险公司可能会扯皮拒付）

http://www.carinsurance.com/kb/content42265.aspx

4.

If I loan my auto to a friend, is he/she covered by my car insurance?

这是另一个保险公司GEICO其网站上的答案：

Other Drivers and Your Car's Auto Insurance Coverage

The liability coverage contained in your auto insurance policy insures you, your spouse, family members, and anyone else who uses your auto. As long as the driver of your car has your permission, he/she is covered by your car insurance. 

The amount of liability coverage you select determines how much the car insurance company will pay you in the event of an accident.

这也说明保险是根车走的。

http://carinsurance.lifetips.com/faq/94101/0/if-i-loan-my-auto-to-a-friend-is-he-she-covered-by-my-car-insurance/index.html