If you let someone borrow your car and they crash who is responsible for the crash?

In most states, if you let someone borrow your vehicle and they end up crashing it, YOU are responsible for the crash, not the person driving it. Why? Because the vehicle is registered under YOUR name. If you have insurance (and hopefully you do) then your insurance has YOUR car information on it, not the driver's. If you don't, you are found at charge legally because you don't have insurance and that's committing a crime. You will be held responsible especially if they are not on your insurance policy. Car insurance covers the vehicle NOT the driver. You can get upset, but only get upset with yourself because you lent your car to someone that is not included as a driver in your insurance. Be careful and this goes with anyone borrowing your vehicle because in the end, you are liable because that's your insurance and car, not theirs.

And please file the claim even if you weren't the one operating the vehicle. You can try to sue the person that drove your car, but most likely, you will not win the case depending on the state you live in. If you lie to your insurance company, that's a fraud so if you don't want to do the time, don't commit that crime. Take what your insurance gives you and learn from this mistake.