What happens no drivers license but car is insured in someone else's name and you are involved in car accident?

*UK answer* Depends if the car is registered to your or the other person. If its your car then you will be done for driving with no insurance or driving whilst banned or driving with no license or a combination of the three. However if its not your car and you borrowed it you will again be charged with driving with no license and insurance, (If no license then you dont have insurance, the driver must be insured not the car) but whoever you got the car from could also be charged with knowingly allowing a vehicle to be driven illegally (illegally because you - the driver had no insurance and license), if you dont want to get the other person in trouble - or they may say you took it if they dont want the trouble

• then you will probably be charged with TWOC (taking without

consent) as well as no driving with no license and insurance. The other persons insurance may pay out if you are found to have taken the car without consent as most cars are insured for theft. However the owner will have to prove this and if there is reason for doubt they wont pay out - unless the police say you did it, but then you will be charged. If its your car and you just dont have insurance yet but (for example) your mate has insured it for him to use while you cant drive it then im afraid it looks like you may have a heavy bill for the other cars you damaged and also court costs and legal fees if you get arrested...not to mention the heavy fine you'll get!