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You will be ticketed and fined for driving without a licence and driving without insurance, if your state mandates minimum insurance. If you are found to be liable, there is a good chance you will have to pay the other motorist's expenses out of pocket. Also, I hope for your sake that you didn't panic and run. If you get into an accident do not leave the scene. Wait for the police. You look like you are in the wrong if you run, even if you are not. Plus it's illegal. I'm not a legal expert, but if I were you I'd get a lawer. You are in a good position to be "taken to the cleaners," so to speak.

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Q: What will happen if you are driving by yourself with a permit and no insurance and you hit someone?
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