who's problem when you borrow a car to your relative, he got in an accident? the insurance is on his name,the car financial is on your name?

You can't "borrow" your car to your relative. Your relative "borrows" the car from you - he's the one doing the borrowing. You "lend" your car to your relative.

If your relative has auto insurance in his name; has a vaiid driver's license; and you loaned him your car, then your relative needs to file a claim with his insurance company.

But, how do you figure it's "your" car that you loaned him? if your car's "financial" is in your name, then why is your relative carrying insurance on what is YOUR car?

Do you mean you co-signed a car note with him? Being a co-signer doesn't make you a co-owner of a car - it's only an agreement with a finance compan that you will be responsible for making payments to the finance company in case your relative defaults on the loan. - you have no ownership in the car.

As far as the insurance and the finance company are concerned, your relative is the owner of the car and he is responsible for any damages; not you.

The one who owns the car is responsible, unless the borrower is listed on the insurance policy. This is why lending a car to a friend/family member is not necessarily a good idea. If the other driver involved in the accident is at-fault then it is THEIR insurance company who has to pay for the damages. But if the borrower is at-fault then it is the lender's insurance who must pay for the other driver's damages and injuries. Hopefully the lender has collision/comprehensive coverage!

He is insured so the car gets fixed. I do not see a problem there. You are still paying for the finances because that is in YOUR name and the bank only focuses on the money. You are playing the numbers game with them.

Lend, not borrow. You lend a car from someone, and borrow a car from someone else.

The vehicle owner and the vehicle's insurance policy holder is liable.

probably the one that got in an accident

The owner of the car/loan pays the loan back. YOUR problem to deal with.

The driver of the car is responsible for the crash. His problem

Insurance might pay something. The insurance company issue.

That your relative pays you back for trashing your car is your problem to deal with.

The responsibility lies with the person who had the accident.