Car insurance typically follows the car rather than the person. This means that if you are driving a car that is insured under someone else's policy, you are generally covered by that insurance policy. However, there are some exceptions to this general rule. For example, if you are a frequent driver of a car that is not your own, the insurance company may require that you be added to the policy as a named driver in order to be covered. Additionally, if you are involved in an accident while driving a car that is not insured, you may be personally liable for any damages or injuries that occur.