If the household member that took the car is found to be at-fault in the accident there is the possibility that you could be held liable since you are the owner of the vehicle. The driver is liable and the other party will go after them for damages and/or file it with their insurance company.

As for your daughters situation; the state maintains driving records even for those without a drivers license, and requires all drivers under 17 to comply with the requirements of the Graduated Driver Licensing (GDL) Program before they can get a license.

If there was a police report filed, then she could have several violations filed against her including driving without a license, and also driving without owner's permission. These violations could affect her eligibility to get her license, and as well as her insurance rates once she gets her license.