Does insurance cover the car or driver?

Insurance coverage typically applies to both the vehicle and the driver, but the specifics of the coverage vary depending on the insurance policy and the jurisdiction in which the policy is issued. In general, auto insurance policies provide liability coverage for bodily injury and property damage caused by the driver of the insured vehicle, regardless of who is driving. They may also provide coverage for damage to the insured vehicle itself, as well as additional coverages such as comprehensive and collision coverage. It's important to review the specific terms and conditions of an insurance policy to fully understand the scope of the coverage provided.