Am I responsible for any accidents?

You are only responsible if your have been negligent in loaning out your car. If you were to lend it to someone whom you know is a bad driver of a speeder or other risky driving behaviors, or a drunk driver, then these sort of allegations would bring you into the filed of those that could be found responsible for the resulting injuries. You car insurance generally covers those to whom you lend your vehicle , even though you are not driving and are not "responsible". Such permissive drivers are likely given the same insurance protection you hace purchased for yourself in that vehicle.

Generally, no. The exception in Georgia is (1) when the individual you loaned your car to is doing something on your behalf (i.e. is acting as your agent); or (2) it was negligent for you to loan your car out to that person (e.g., the person you loaned your car out to was unlicensed or drunk.) Otherwise, if you gave that person permission to drive your vehicle, your insurance should cover it.

Generally the answer would be no as long as he/she is not your child and a resident of your household. However, there is a doctrine in the law called "negligent entrustment" whereby if you loan the car to someone that you know cannot drive safely or who has a long history of wrecks, driving drunk, etc. you may be held liable for his/her acts of negligence.