My viewpoint is that if person X asks to borrow your car, asks to drive it, etc., that person is assuming responsibility for any subsequent damage and you are justified in requesting that they at least share in the expense of repair.
If, on the other hand, you allow or request that other person to drive your car for your own reasons, maybe convenience, maybe "see how you like it", etc., then as the incautious owner you are stuck with the results of your decision.
Not being a lawyer, I have no idea how this squares with the legalities of the situation, it's just my opinion.
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