If I let someone drive my car, and I have, I assume all the risks. Therefore, if they totaled the car, it would be my fault for letting them drive and would not hold the driver responsible. If I didn't think that person could handle the car, I would not have offered it in the first place. On the other hand, I have offered others a chance to get behind the wheel, but they told me if they wrecked it, they could not afford to replace it and chose not to drive.