The day after I turned 16 (and had my license), I borrowed my mom's car and got in a car accident with a friend. I was clearly at fault, but the driver, a really young Mexican kid had no insurance or license and totally freaked out that I'd report it. Needless to say, it never got mentioned ever again.
To this day, my friend and I still joke about it in a very hush hush tone. I still would not tell my mom, I'm sure I'd still get a lecture from hell.