1， 我儿子15岁，能否上庭。
可以。
2，是她爸爸说的。他并没有明确说闯红灯。he just said lt's her fault.
asking him why he said that. Nobody knows, maybe he was just angry with his daughter, or maybe the daughter actually admitted something to him.
3，这个女孩违法上路开车，警察开有罚单，法庭怎样处理？保险公司是否把此做为一个因素来考虑？
Traffic ticket is merely criminal allegation, itself cannot be used as evidence in related civil case, because of presumption of innocence.
However, if the driver was convicted under this ticket, then the conviction could be used as evidence. However drive without license does not automatically mean she was negligent, and that does not mean you were not at fault.
你有三个案件，一个是交通罚单，是政府指控女孩无照驾驶，和你们没有很大关系；第二个是两个保险公司之间的调查，看看是谁的责任，赔多少；第三个是最后对保险公司的调查结果不满意，去法庭告对方。
My suggestion would be don't worry too far ahead. Tell the truth to the insurance company, see what they offer. If you are unhappy with the offer, then talk to a lawyer.
车坛建议上法庭，可能过早。你能够证明的损失有什么？换一辆车，你和儿子的受伤，有没有医疗记录？保险公司当然不会一接到你的报告就说，没问题，都是对方的错。他们总是要调查一下。你能做的，就是保存所有关于车祸的记录，以及自己误工，受伤，等等的损失证据。
