Who Is Responsible For Vehicle Damage If The Car That Hit Me Was Covered, But Was Driven By A Different Driver? 
It is really important to mention the state you live in to properly give you specific advice . However , if you are hit by a vehicle driven by a permissioned driver at the time of accident , they have loaned said driver the insurance they have on their current policy . This is an Industry Standard , unless they have an outdated policy that also still has ` excluded ' drivers , you may have an issue . It 's doubtful that this will happen . My opinion . 