There are a lot of far-reaching consequences to this.
There is a possibility that both her father and she would be prosecuted for allowing an uninsured driver to drive the car. It’s unlikely the father would be, but it’s a possibility.
The driver is uninsured and hence, he is responsible for the cost of the damage to all the cars plus any injuries. You say there are no injuries, but in cases like this, injuries seem to miraculously appear when the no win no fee solicitors get to hear about it. It remains to be seen whether that happens.
If he is uninsured, any claims for the third party car will be dealt with under the Motor Insurers Bureau uninsured driver scheme and they will probably insist that the fathers insurance pays out and the father would lose his no claim bonus.
The insurance company will pursue the driver for whatever they have to pay out on this.
In addition to driving with no insurance, the driver could be prosecuted for driving without a licence.
Even if the father is insured fully comprehensive, it is unlikely that his own insurance company will pay for the damage to the car because the driver doesn’t have a licence.
Can I clarify anything for you?
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