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Car insurance typically follows the car. That is, if you are insuring your car and you lend the vehicle to another driver, your insurance pays the damages. Also, if your car is stolen, of course the damages caused would be covered by your own insurer.
Each state is different so it is important to speak to a broker about your current state laws regarding following the driver or car.
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Actually auto insurance can cover both. The physical damage portion of the policy will cover damages to the auto. This would be your collision and comprehensive coverage's You may carry medical coverage which could cover your own injury. Your policy will also have liability protection which would cover you (protect you) for injuries you cause to others and/or law suits. And you may have uninsured/under-insured motorist coverage which would cover injuries to yourself and others in your vehicle should you be injured by an uninsured or under-insured motorist. Talk to your local agent about the coverage's and options of your auto policy.
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Each state is different so it is important to speak to a broker about your current state laws regarding following the driver or car.