I work in the insurance industry in claims (wont name a company for professional reasons). I handle claims in all states except Hawaii and Insurance follows the car, not the driver. If you give permissive use to your vehicle that you insure, you will have to file the claim under your own insurance company and forfeit the deductible. Now, there are exceptions....
If the named vehicle is uninsured/underinsured for the loss, and you give permissive use to someone else and they wreck it, then their insurance company CAN as a secondary try to pick up the loss.
Essentially if you are A and you lend your car to B (friend) and B tries to call in a claim under their own insurance since they were driving. B's insurance company will always call insurance A since A is the owner. B insurance will only kick in if A is not covered (uninsured/underinsured) but it is not a gaurantee.
The exception to this is rental vehicles. Most policies I know of are written to cover you while under a rental agreement, hence you wreck a rental it is on your insurance to pay the loss and you pay your deductible.
For your own vehicle, insurance ALWAYS follows the vehicle, therefore be careful who you lend your car to.