really can't "fix" the problem. Here are the issues you are facing:
1. She lied to the police. That is a crime, though not often prosecuted.
2. If there is insurance
on the totaled car, and she gives a statement to the insurance company and lies again, she could be charged with insurance fraud--potentially a felony.
3. Since she admitted responsibility for the wreck, she can expect some sort of traffic citation and points on her driving record for the accident
4. When your insurance company learns of her wreck, your premiums
may skyrocket for as many as 3 to 5 years in the future, even though she only lives under your roof.
5. Your daughter will have sky high auto insurance
premiums for at least the next few years, possibly into her mid 20's if she tries to get her own coverage.
6. You and your daughter could be sued by the owner of the vehicle. Her for either negligence in operating the vehicle, or for the negligent entrustment of the car to an unlicensed 15 year old driver--You, for having signed off on her drivers license, if she sticks to the story that she
I think I have covered all the potential problems. That being said, you need to encourage your daughter to act like an adult, and admit to everyone what really happened. She will need to notify the police of the change in her story and accept any punishment that might come her way---it's way better than a possible felony rap for insurance fraud.
Your daughter shares in responsibility for the damage to the vehicle and the other property damaged in the wreck as a direct result of her negligent entrustment. She needs to understand that she may well be charged with paying some or all of the damages out of her own pocket if it turns out that there was no insurance on the other car.
I'm glad that no one was seriously hurt in the wreck. The fix here will come from your daughter, not from you
. If she will not voluntarily own up to the facts, then I suggest that you notify all parties involved of those facts, including the police, and let the chips fall where they may.
I wish you and your family well.
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