QLetting A Un-licensed Driver Use My Car.....?

I let my daughter brides (21 years) used the car . I have liability insurance on it and am able to let a licensed driver use.

I learned that she had her license suspended for speeding. This was after she had been driving my car . She is licensed in the plastic bag, but not good on the computer .

I of been in serious trouble if she had an accident . The insurance company considered an unlicensed driver let me use my car . I even been in trouble if she stopped by law.

What is a person to do in a situation like this ? I let other people use my car in the past , but never again .

Is there something I could of done before to let me use the car ? I 'm not a cop , so he could not run his license ( he had no reason to think it was suspended) .

What do you think of this? I'd thought of a cop in this .

Thanks ....