what will happen if someone not on my insurance policy is driving my car

and gets pulled over? or crashes it? .....have you ever been in a situation that you cant get out of? i have to let them drive it or My family will disown me, among other bad things that they'll do. also if my insurance keeps lapsing what will that do to my credit? or will it do anything to anything? the most informative will get best answer please help!!!
 
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