Answer: Whether or not someone has a license does not mean that someone is or is not at fault (on it’s own) when there is an accident. Was this reported to your insurance company, as well as the DMV (depending on the amount of damage), and police to make your statement. Was anyone hurt? If your insurance company is not handling this to your satisfaction (or even if they are) you may want to speak to an Attorney in your area to discuss your case.
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