Depends on the situation, but for the most part, yes. You have a buddy who wants to borrow your car to go to the store, and backing out of your driveway he gets into an accident, regardless of fault, we would cover it. He had your permission, its just like you were the one driving. On the other side we can talk about misrepresentation, for instance a sister/brother/friend who you lied about not living with you and we somehow found out (probably after the person is in an accident) they've been in the household the entire time, then no. thats grounds for policy coverage being rescinded.

What else you got?