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Your insurance is on the car, then on the person within the car(s). From AZ to Ohio.. People damages are covered under extra insurance.
If they have car insurance the insurance they have should cover wrecks in your car. If the person driving doesn't have insurance then yours will cover the damages to your car. (Insurance is on a car, not a person, unless the person is under 18)
Insurance companies like to make up rules as they go along. Best to get an Attorney to help with any problems that come up with car insurance companies.
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