How will your car insurance be affected if someone else was driving your car and had a wreck?

If this person is a member of your household or a regular driver of the vehicle then you have lied to your insurance company and on the application. This is material misrepresentation and will void the coverage on the vehicle. This means they will not pay for any damages or injuries caused by the accident. Insurance companies do not like it whenever you loan your vehicle because they have no way to evaluate the risk. If you are doing it intentionally to avoid paying premium for a minor or person who should be listed then they will deny the coverage and most likely cancel your policy.