You need to immediately consult an attorney. You have a situation that can really affect the rest of your life so you should call a local attorney immediately.
Check out my website below and give me a call for a free consultation if you are a California resident 877-427-2752 or you can email me at Michael@Kingofpersonalinjurylaw.com
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I don't think the situation is as dire at Micheal implies in his answer. I'd recommend you talk to an attorney to simply put your mind at ease. There are additional questions to answer: Were you cited? Do you intend on paying for the damage?
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You could certainly be charged with no insurance. That's a misdemeanor and up to the police and prosecutor. You will almost certainly be sued by the other persons insurance co for any money they pay out to fix the vehicle.
Call a lawyer in your city and let him advice you. Best of luck.
This answer is provided by Manuel A. Juarez, Esq., El Abogado de Accidentes de Autos de California: 510-206-4492. El Abogado de Accidentes de Autos provides answers of a general context. These answers are not intended to form an attorney client relationship. El abogado de Accidentes de Autos y Lesiones Personales practices in Antioch, Berkeley, Concord, Oakland, Hayward, Martinez, Newark, Richmond, San Francisco and San Rafael. El abogado de accidentes y lesiones is licensed only in California. This information is good only in California and it is not to be taken as legal advice on car accidents, personal injury, divorce, bankruptcy or in any other type of situation.
Esta respuesta es del Abogado de Accidentes de Autos y Lesiones Personales de Acidentes de carros, Manuel A. Juárez, 510-206-4492. Abogado Hispano de Accidentes, Divorcios, Abogado Latino de Accidentes, y Abogado de Acidentes de Oakland, Hayward, San Francisco, y California. Estas respuesta son solo para información general y no consisten en consejo legal sobre divorcios, mantención de esposas, mantención de hijos o bancarrotas. Las respuestas son comentarios legales que no forman una relación de abogado y cliente. Manuel Juarez, Esq., esta licenciado solo en el Estado de California.
I agree with Attorney Klisz that it would be up to the police or prosecutor. In the last 25 years I have worked as a police officer, insurance agent, and attorney and have never seen an insurance company call the police because someone didn't have insurance in a minor accident even though the certificate said it was valid. Frankly, most of the time, when the cops are done with the accident report, they prefer to stay done with it. But, as Attorney Klisz suggested, you could be sued for the damages. If so, call a lawyer right away. I hope this is a good lesson why you should not drive without insurance. Good luck!
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