Added Another Car Without a Driver

Hello Reader,
I'm an international student studying at SUNNY UB.i have a lot of financial issues due to my very high international student tuition payments.so I added another car of one of my friends to the insurance since it will lower the insurance and we two could split the insurance.the title of the car is under my friends name.he just bought it a week ago and he added it to my insurance.but I didnt add him as an additional driver since the insurance amount with the additional driver is sky high.
So,if my friend meets up withan accident what will happen?(He is 20 years old)
Eargerly
Source of insurance-forums.net

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