In this situation, it can depend. When a driver is excluded from a car insurance policy, this means they are not covered to drive your vehicle. Your insurance company is no longer responsible if the claim was caused by an excluded driver. The good news is, in most situations when a driver is rear-ended they are not at fault. The claims adjuster will determine fault. You will need to contact your insurance company as well and add your daughter to the policy since she is driving the car. As far as, what can happen legally, you will need to contact the DMV if she received a ticket. Good luck and if you have any other questions, don’t hesitate to ask.