That argument works in some countries while in others it doesn't. In UK only people who are explicitly listed on the insurance document can drive the car, and the police can demand that you tell them who was driving the car at the time. In some other EU countries like Poland, you buy insurance for the car,not the driver,so literally anyone can drive it(with your permission of course). Then if you are caught by a speed camera and your face isn't visible you can say that someone else was driving and you don't remember who - in theory there is a penalty for not saying who(200zł = ~$60), but most people opt to pay it instead of the speeding ticket which can be higher - or go to court and dispute that they cannot pay for the crime they didn't commit and they cannot be forced to remember something which they don't remember - and they sometimes win.