Rates and coverages are based on the drivers and the vehicle. It's not one or the other, it's both.

There is coverage for the uninsured motorist.


If you let some one use your vehicle and they have insurance elsewhere, that insurance will cover them. It their coverage isn't sufficient, you can look at your insurance as well. Depends on the circumstances of the claim and it's best to discuss with a broker/agent. There are too many varables to mention. Let's just say, it's not a great idea to lend out your vehicle to anyone. It's really not worth it.