You can report it to your insurance company and if they deny it since she had no driver’s license, the homeowner could come after you or both of you to pay for their damages. Good luck.
Randy Sevenish is licensed to practice law in the State of Indiana. The laws of your jurisdiction may differ and thus this answer is for informational and educational purposes only and is not to be considered as legal advice. Since all facts are not addressed in the question, this answer could change depending on other significant and important facts. This answer in no way constitutes an attorney-client relationship. Please speak with a local attorney to discuss your potential legal issue.
Many jurisdictions have liability for negligent entrustment of a motor vehicle. You should immediately report it to your insurance company and demand a defense. As long as you have coverage, they should provide you with a lawyer.
Sign up to receive a 3-part series of useful information and advice about personal injury law.