Auto insurance listed driver question?

My question is as follows:

What is the difference between me allowing someone to drive my car and me having someone listed as a second driver on my insurance policy when it comes to an accident. What are the differnces in the two situations at the time of an accident claim being filed?

I know if the person I let drive my car had no fault in the accident, my rate wouldn't go up if I settle with my own insurance company. But if its the person who is driving my car's fault, are my insurance premiums affected? If yes, then what is the difference in not having the person listed at all and still making a claim through my own insurance.

I ask because I am thinking of putting my girlfriend who drivers my car sometimes listed as a driver on the policy. Would this protect me or my premiums in anyway in case of an accident compared to not having her listed at all?

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I think it will protect you if she were driving and got into an accident that wasn't her fault. But if she were not added and she were to get into an accident, regardless if it is her fault or not then it may cause your premium to go up.

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