What happens if you get in a accident with no insurance?

I got in an accident today. It wasn't my car it was my moms, I gave the cop my license, registration, and insurance. However, I didn't know that the insurance was lapsed. It hadn't been paid. There wasn't any damage to the lady's car, and minimal damage to mine. Me and the women were getting ready to take off, but a cop came up, and said that because it was a main road, that we needed to fill out an accident report. She isn't gonna call her insurance company, but if she does, and they find out there wasn't insurance, are there fines to pay, do they take the car? I know I'll have to pay for whatever damages she may have on her car out of my pocket.

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