Your car, your problem. Either get someone to fess up, or take responsibility yourself and stop loaning it out.
There really is no difference between "who drove through a red light" and "who scratched the bumper while parking" here - how do you currently solve the latter one?
> how do you currently solve the latter one?
Same as parking enforcement. Goes against the car, not an individual. So the financial responsibility will be assigned, but no punishment.
I know you'd like it to work that way, but it doesn't in most jurisdictions in the US.
Except no, that is not how it works. People get moving violation tickets, not cars.
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