OK my child (18)was in an auto collision. No other vehicle was engaged with the mishap. Occurred on a back road. Reason for the mishap was a buck running before them

OK my child (18)was in an auto collision. No other vehicle was engaged with the mishap. Occurred on a back road. Reason for the mishap was a buck running before them. His better half was in the vehicle with him. However, he has no drivers lisence. Police was at the scene. Also he was taken to medical clinic in a rescue vehicle. Lady friends Car was all the while being payed off by her folks. What would I be able to expect will happen now. I realize the protection won't pay out.