Yeah, a ticket would have been bad juju. A wreck would have only been bad had I been negligent. Fortunately, I didn't have to find out. I have four older siblings. Only one of them learned to drive before 30. The one that did got in a wreck the first day she was driving. Fortunately, our mom was with her and it was the other guy's fault... he just left turned right in front of her. If she would have swerved left, she'd have gone into oncoming traffic and there was a car to her right, so BOOM! @#%^%^&%$$!!!! No serious injuries.
Only one time did I get in trouble while in possession of my folks' car. It wasn't a driving offense, but I drove to the scene of the indiscretion, soooo..... To make a long story short, when I was fessing up to what happened, my mom just looked at me and put out her hand with her open palm up.... I placed the keys in her hand. And then she said it.... "When you think you're responsible enough to ask for them back, come and see me..." OUCH!!! I still had to do driving chores for them, but I didn't ask for the keys for my own usage for several months.