If you are involved in an accident do not discuss who was to blame as this could lead to complications for you and your insurance company. However you should still take down the facts of what occured.
Drivers found driving without insurance can have their car impounded or even taken away to be destroyed. But even worse than that, should you have an accident, you caould be liable for that total amount of damage. And you also risk, getting a criminal record, should you be stopped by the police.
Older drivers of 70 and over must complete a medical insurance form every three years that confirms they are still fit to drive. Sometimes their insurance premiums may also rise as there is a higher risk of accidents over th age of 70.