<prompt> Human: I own my car and have an insurance policy on it. My currently-long-distance girlfriend is moving to my city and plans to drive my car a lot by herself. She doesnt own a car and never has so she doesnt have car insurance, though she has her drivers license. How does this work with my insurance? Am I covered if she gets in an accident? Or does she need her own policy? Not sure what the proper procedure is here. Were in Texas if it makes a difference.  <response>: Add her to your policy as an occasional driver.Ideally, shell pay for whatever extra it costs for this to be done. 