Can anyone help?
Friend of mine has got a tricky problem, his daughter took the family car without permission and had an accident, minor but baby in other car was taken to hospital.The daughter is learning to drive and she was trying to help out by picking her younger sister up from school because they have had a bereavement in the family and her mother had to fly abroad. 1) How will the insurance company look at this. 2)MOT HAS RUN OUT 3)Her father got to the scene after the police took a statement.
Thanks for your help in advance

If the girl does not have any previous I think it would be appropriate for the girl to plead guilty and apologise for her "stupidity". To volunteer to pay for any damage to the other persons car and their costs and state that she will be reimburse her father who will probably have to stump up initially. She or her solicitor to appeal to the police or probably court for leniency admitting her lack of thought about the possible consequences of her actions.

But I have to admit over forty-five years ago, I did drive for a while with out a licence and therefore without insurance while waiting for my driving test.

Looking back I was stupid to do so and lucky to not to make a major mistake or be caught. Hindsight is a marvellous thing.

It seems her Dad's insurance won't pay out for his damage and his daughter has been to police station and looks likely she will get 6 points and maybe a fine. Insurance broker said not to put in claim and deal with other party privately providing no personal injury claim.

Sadly, most people don't realize how anti-social driving without insurance is.

It's not not just your loss or damage, or damage to third-party property, it's the lack of effective compensation for personal injury, loss or even death that results.

Equally, most people don't realize that a number of things invalidate insurance: like driving without a licence, while disqualified and so on.

MM ... thank you for writing what you did ..... exactly so

thank you all for your help-we are going to print them and give them to her at a later stage.