What can we do? My unlicensed daughter got in an accident

Yes. Your fact situation raises a number of different issues. Assuming the other car was clearly at-fault, the other car's insurance company does not get off the hook for responsibility to pay for the property damage. In fact, if your unlicensed daughter was injured in the accident, she can make a personal injury claim against that car's insurance company. If your daughter could arguably be at-fault (or partially at fault), then you have issues which are beyond what I can get into in this short reply. Next: Whether your auto carrier will defend claims made against you (i.e, the other driver claims your daughter was at fault) could be problematic, particularly if they believe you had knowledge of the incident. But as you described it to me, I think they should defend you if a claim is made. Final Comment: the fact she was driving without a license, raises criminal issues, but that is beyond my area of specialty. This is just a short reply and likely does not take into account all the issues you and your daughter may have, so if there are issues involving injuries, or denial of responsibility to pay for your damage (or defend a claim made against you) I would consult with a local personal injury lawyer.