That fact in and of itself does not make you responsible for the accident. If you knew the person did not have a license, and you knew the reason was that they were not entitled to a license because they were not qualified to drive safely or for some other reason were not competent to drive, then you could be held liable.
It all depends on the facts. Ordinarily a car owner is not liable just because they own the car. However, there are sets of facts involving the family purpose doctrine or negligent entrustment where the owner can be held liable if they maintain the vehicle for family member use or entrust the car to a negligent driver.
She could be charged with driving without a license. Hopefully your insurance will cover the damage and the fact that she has no license will be irrelevant to that claim.
From a liability standpoint, it makes no difference whether the driver had a license; if you give permission to someone to drive your car, and that person causes an accident, you are just as responsible as the driver is
Nothing unless she is known to you to be an incompetent driver. The fact she has no license is irrelevant. As long as she is driving with your permission, your insurance will cover her too. Good luck.
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