What happens if an uninsured driver has an accident in your car?

Answer 1

Both the "Driver and the Vehicle Owner" can be held jointly and severally "Liable" for an accident.

If the driver of your vehicle was At Fault and had the permissive use of your vehicle, Both the driver and the vehicle owner can be sued for damages and injuries.

The driver, If at fault, would be financially liable because he was the direct cause of the accident.

The vehicle owner is financially liable because of fault through the owners negligence in allowing an uninsured driver to operate your vehicle. The legal rational being that had you not allowed this uninsured person to operate your vehicle, the accident would never have occurred. So the owner is also a direct causation factor in the accident through the owners negligence.

It's not a good idea to let people drive your vehicle if your not sure your insurance will cover them, Basically it is the responsibility of a vehicle owner to insure that all permissive use drivers are covered. As the owner you can be left with the bill for all damages and injuries sustained as a result of your choice to loan out your vehicle.