If you loan someone your car and they get into a car accident without a license then you both will be responsible for the car accident.
You should always make sure someone is licensed to drive before loaning them your car.
You could also face jail time yourself if you knowingly let someone without a license drive your car and they injured someone in a car accident.
But if no one was injured then you might just get a fine and be sued in court.
As the owner of the vehicle you're responsible for whoever drives the vehicle and what happens in that vehicle.