Sounds like she's either not ready to drive a car yet, or needs to get realistic training before being let loose on the public. Those plastic bumpers are going to add up fast and are not very good protection to the occupants.
Personally, I think the drinking age should be 16 and the driving age 18. There's too much going on inside a young teens mind to put them behind the wheel of a Suburban.
You should take the keys and not give them back until she starts a payment plan and completes weeks of go-cart racing sucessfully, or some thing similar.
(but not something where bad behavior is rewarded):
