This is a question many people overlook. What happens if your 15-year-old, who's learning to drive, has a crash? Will your insurance pay? What if a friend borrows your car and hits another vehicle? What if you're self-employed and driving your car for work purposes -- say, delivering pizzas, or running to the bank -- are any crashes you cause covered? Every insurer and/or state handles these situations differently, so make sure you know the answer [source: Jones]. While you're on the topic, ask the agent what happens if you borrow someone's car and have an accident, or if you have one in a rental car.