If you are not the primary policy holder and someone else drives the car and gets into an accident is it your fault or theirs?

i'd say both you not that much but who wrecked it is the one to put the blame on

The insurance is for the car regardless of who is driving. It will be the first to pay. If it doesn't cover enough, the person driving can be tapped for the remainder. If the person driving does not have a license, the owner of the car has to pay out of their own pocket. The insurance company does not have to pay.