Was she at fault in the accident and are you asking about who will be responsible for the damage to both cars involved?
I am very sorry to hear that your daughter finds herself in this situation which I would suspect can be quite stressful with the amount of money involved.
The short answer is the reality is your daughter either has the capacity to repay these damages over time (maximum 3 years) or she does not, the insurer and other party can send as many demands as they must and eventually bring your daughter to court to try and get her to pay but if she has no assets or surplus income than it can not be forced from her.
Her options than are to wait 6 years when the statute of limitations runs out for this debt to be enforced against her or she may need to declare herself bankrupt so that the debt is extinguished but I would not encourage this last resort action as it will affect her ability to secure any form of credit in the future.
She is in a no win situation being at fault and not insured in any way. I would now suggest that to avoid a repeat incident that she does secure some insurance while she is driving any ones vehicle so that the chances of this debt compounding through another accident does not occur.
I trust this information clarifies your daughters position at law and that you will respectfully XXXXX XXXXX answer as I wish you the best in this matter
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).