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Hello, I am a solicitor with 20 years experience. I will try to help you with this.
Except in some situations relating to work there is no defence to driving without insurance. However, the personal circumstances in the build up might well help to reduce the level of the fine. Is the bereavement and the lack of insurance connected.
OK so this now driving otherwise than in accordance with a licence (fine, endorsement and mandatory 3-6 points on licence) as well as no insurance (fine, endorsement mandatory 6-8 points discretionary ban). She absolutely needs a lawyer to assist her as there is a risk of a ban.
Has she received a court summons or has she received papers in the post iniviting a postal plea?