Asked by user in Arizona. Answered by Enjuris Editors.
Thank you for your question.
Assuming that your friend was responsible for the accident, your niece can file a personal injury lawsuit against your friend to recover damages. Alternatively, your niece can file a claim with her own insurer if she has personal injury protection (PIP) insurance or MedPay.
Unfortunately, your niece probably won’t be able to file an insurance claim with your friend’s insurer (assuming they were insured). This is because most insurance companies will not provide coverage if the insured does not have a valid license at the time of the accident.