Insurance policy terms vary however in general most car insurance policies will extend your coverages to another driver of your car when you allow that person to operate (borrow) your vehicle.So typically your insurance coverages would not be invalidated if the person that borrowed your car was in an accident but instead be in force if there was an accident and claims needed to be made.
Insurance policies do differ however so you would need to read through the terms of your auto insurance policy to make sure there are not any exclusions for loaning your car out to someone. There may be exclusions to those not listed on the policy, those drivers under a certain age, etc. You can also discuss your coverages with your agent to clarify and make certain others would be covered by your policy if you give them permission to drive your vehicle.
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Now if you did allow someone to drive your car and they were at-fault in an accident than this could affect your future auto insurance premiums. Your rates could go up due to the person causing an accident and claims being placed against your coverages even if you were not the driver at the time of the incident.
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