What happens when someone else is driving your car and crashes it

So my cousin is in from out of town staying with us.  He takes my 3 year old Toyota Highlander out to run an errand.  On his way back,  he’s making a left turn at a stop light to turn onto our street.  He’s waiting in the intersection and then the light turns yellow and as it’s turning red he starts to make his turn.  Unfortunately, there is a 21 year old kid in his parent’s Mercedes who decides he will try to “beat the light” but he doesn’t make read more