...If they tear it up they will expect you or your insurance to pay for it. If they have a wreck that is their fault I will be facing a lawsuit. If something goes wrong and it breaks down they will act as if I failed them.

Nope. I would not loan my car even to my beloved sister when she visited from out of state. I have too much to lose.

https://www.foxnews.com/travel/woman-refuses-let-friend-borrow-car-again-trashed-first-time