In most cases with a standard issue auto policy here in CT, the coverage provided extends to named insureds and their resident family and anyone they designate to drive their car. It is always best to discuss the specific terms and conditions of your policy with your Insurance Professional to get a better understanding of coverage and limitations. However, it would seem that unless the driver of that car was using the vehicle with the permission of the vehicle owner, unless there was some other provision or limitation in that vehicle owners’ policy, there should be a reasonable expectation of coverage. If on the other hand, the driver was not using that car with the owners’ express permission, or if the driver was not licensed, there may be coverage limitations. There also may be conditions specific to your State where coverage may not apply.