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Their insurance company is liable to file suit against you (via your parents, who are your legal guardians). There's a likelihood of criminal charges. The law enforcement agency and the parents both have the option to press charges, even if the other decides not to. And your parents should give you the beating of your life, but nowadays that's a bit taboo.

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Q: What happens if your 16 years old and never had a license and you crash your friends parents car?
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