You are covered by your insurance if someone else drives your car, but we definitely do not recommend it. If that person that drove your vehicle gets in an accident and injures somebody, they will get sued as the driver and you will get sued for being the owner of the vehicle. Attorneys want to sue anybody and everybody so if there is a lawsuit you better bet they will be coming after you as well; this is why you must be very cautious who you loan your car to.
All family members and household members are required to be listed as a driver in your household.
If that driver lives with you, you are required to disclose that on your insurance application. All family members and household members are required to be listed on as a driver in your household.