If a driver you added to your car insurance policy crashes your car, your insurance company will typically be responsible for covering the costs of the accident based on your coverage. If you have liability coverage, the insurance company will normally pay for the other driver's medical bills, property damage, and other related expenses up to the limits of your policy. If you have comprehensive coverage, the insurance company will also pay for your vehicle's damages. That being said, as the policyholder, you will generally be responsible for paying any applicable deductibles when a driver you added to your policy causes an accident. Additionally, your insurance premiums may increase in the future as a result. This is because insurance companies use past claims history to determine future premiums