Your automobile policy protection is extended to anyone you grant permission to drive your car. You need to explicitly provide permission for each use of your car.
If the car is involved in an accident while a friend or non-resident relative is operating the car the damages would be covered under your automobile insurance, as you are the owner of the car. If your friend or non-resident relative is injured while driving your car they would first go to their own automobile insurance for medical payment reimbursement. If they do not have their own automobile insurance policy, then your auto policy would payout for medical payment reimbursement.
