I am not familiar with your state law. In Michigan we have ownership liability. You are also required to have insurance. Consult a local lawyer about those issues. Most of the attorney's will give you a free phone consultation. Good Luck!
You were not careless from your description; your friend was careless. You can be and you should expect to be named as a defendant in any lawsuit filed by anyone hurt by your friend's negligence. The claim against you will be that you "knew" he was a bad driver and let him drive and/or you knew he did not have a license and that he was driving your car at your request to benefit you in some way. You are not liable as in some states like Michigan as I understand it and I believe NY also, just because you own the car. Here some claim of negligence must be made against you.
(If you were injured you have a claim against the driver for being careless.)
If you are sued you have trouble. Since you do not have insurance you do not have anyone to appoint you a lawyer paid for by insurance, you do not have a liability limit to be used to possibly settle the claim so that your personal assets are not at risk. Also without insurance, if a money judgment is entered against you, your license can be suspended until the judgment is paid.
I suggest you pay for an hour of a "personal injury" lawyer's time to discuss your options if you are sued--again since you have no insurance.
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This is an unfortunate situation you find yourself in. I'm not clear from your description whether your friend was driving your car, or his own. If you were a passenger in his car, it sounds like he was at fault for running the red light. However, if the car was your car, and you let him drive it with you as a passenger, you may be at fault to some extent as well for a cause of action called negligent entrustment as you were may have been aware that your car had no valid inspection sticker and was not insured at the time, but yet permitted him to operate the car.
I hope this gives you some information into the matter.
Best of luck.
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In the state where I practice, the owner of a car is liable if they loan their car to somebody who negligently causes a crash. You should go talk to a lawyer in your area as soon as possible.
Whether your friend had a license was irrelevant to the fact that you allowed him to drive a car that should not have been on the road with no insurance and no sticker (and no registration, perhaps?) So yes, you could be liable, as would he. Since you had no insurance you will have to pay for your own defense. You should find a lawyer and talk to him or her asap. And you should be prepared to get sued.
I agree with my colleague, retain a personal injury for an hour or so of his time so you can get an understanding of the legal issues and your rights.
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