Quoting Sugar Plum♡:" because i know someone who got in an accident, unlicensed, but the car was covered fully. since the person ... [snip!] ... sure their stories matched. they tried to settle outside without using the insurance but it was was too much for a scratch. "
Wait, so it was a two car accident... and the driver of the other car agreed to all this, too??
I thought from the OP, the owner of the car loaned it out, and that person hit a tree or something. Was there not a police report or anything filed?
Or am I just really confused?