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They would sue both of you. He would be sued for being negligent and causing the accident. You would be sued for negligently letting him drive the car. They would claim that you knew or should have known that he was a poor driver and you should not have let him drive the car. It is a stretch to make an allegation like that but it will be made, primarily so that the plaintiff can get both your insurance company and his insurance company into the lawsuit so that there are two sources to pay damages. The plaintiff cannot collect the full damages from each company, but there's a much better chance that with two companies in the picture, the would each throw some money into a settlement package and give plaintiff a better chance to come away with some money.

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