taking money from people easy paying back hard

i have a taxi which got smashed the drivers licence expired last year which he app**** for new card his driving with a temp licence which he got from licence office now that he meet an accident they don't want to pay saying his not licenced and i sent them the proof when he app**** and is still waiting but my claim was rejected saying his not licenced and i must take it up with the licence office why so long he is waiting they cant pay for damages