Could I be liable if something happened while someone without a license was driving my car?

As an owner you may be responsible for any operation of the car. You need to get your name off the title and insurance

Yes- you are liable as owner. Make sure the car is well insured!

You will not be held liable for entrusting the car to a non-licensed driver if you do not have control of the vehicle. You should determine the terms of the insurance coverage. Be certain that the vehicle is not covered by your policy but also make certain that the vehicle does have coverage that will at least pay off the loan amount so that if an accident does occur you are not paying on a loan for a vehicle that has been totaled.

As long as your name is on the title you will be responsible. Regardless of whether your name remains on the title, you will be responsible to the financing company.

Yes, as a partial owner of the car, you can be liable if the car is involved in an accident. Tell her to stop or you'll force the sale of the car.

You pose a very interesting question. I was unaware that two people could be on the title to a car. Generally, if a person has permission to use the car, then the owner is responsible for any damages or injuries they cause through negligence. But your question is unique in that what if one owner gave permission and the other did not. That begs the question of whether or not one owner has actual or apparent authority to give the other owner's permission to use the car even though the other owner knows nothing about it. Figuring this out could give you a headache. So, here's what I say: you go to this unlicensed operator, preferably with a witness, and make it absolutely clear that he or she does not have your permission to drive the car, that you forbid it, and that the other owner has no right to give this person your permission. Your other option is to seize possession of the car to protect yourself from any liability.

As an owner, you would be responsible for any permissive user of the vehicle, regardless of whether they have a license or not. Just tell her not to let anyone use the car......and if she argues with her, tell her that you would be responsible and if she wants to do that, then you insist that she increase the bodily injury liability insurance to a million dollars. That should stop the loaning of the car.