In terms of section 12(b) of the National Road Traffic Act, 1996 a person must always carry his or her licence with him or her while driving.
It is an offence not to have a licence present. However insurance companies normally only require you to have a licence. They are in general not concerned if you had it on your person.
The fact that her licence was not on her should not affect her claim for damages. The Police may charge her for not having it on her but they seldom do that.
Regards
Alta
Alta Swanepoel and Associates
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