For whom currently holding a valid leaner licence from MPI will and shall be given a chance to take the road test in case an accident occur. If u successed, what u need is just to pay the deductible(s). If u fail, u will and have to be responseble for all the cost caused by the accident.
Beside that, the second party may and can refuse you to fix his/her vehicle but claim to salvage his/her vehicle. In this case, u will be resposnse to pay the full amount according to the price on Gold Book.
In the second case, An appeal can be made, but your chances is fairly low.