If someone drives your car and gets a ticket, it go on their insurance record not yours. First your insurance company go through their insurance record, if he belongs to another company then it won’t affect you, it goes only on their insurance record. If he is also involved in your insurance policy then your rates could be affected.
If someone drives your car met with an accident then your insurance premium increases because the incident caused on your car and the insurance should be claimed on your car. So always know the insurance details of the person before you throw the key of your car to someone. Allow only trained drivers to drive your car. This will be more safety for your car and your insurance rate.
