In most cases, car insurance follows the vehicle, so a driver borrowing your car with your permission may have some coverage under your policy. However, whether she's fully covered, partially covered, or excluded depends on your specific policy terms and how often she drives your car.
If she drives your car regularly, your insurer may expect her to be listed as a driver on your policy. Occasional permissive use is treated differently than regular use, and some policies have exclusions that could affect a claim. It's worth reviewing your policy details with an agent before an incident happens rather than after.
