Your license status is not relevant to the liability/fault issue. Legally, they should pay. Of course they are ins cos and often must be forced to pay.
Mr. Kopelson gave you a great response. You likely will need the assistance of an attorney to deal with her insurance company. If you were injured you need to get appropriate medical attention and then consult with a personal injury attorney to assist you. Use the Find a Lawyer tab on Avvo to find an attorney in your area to consult with... Best of luck to you...
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You should take care of any medical issues and consult with an attorney in your state. I would not speak with the other driver's insurance company until you have consulted with an attorney. Do not give a statement to the insurance company.
*This information should not be construed to be formal legal advice nor the formation of a lawyer/client relationship.
As my colleagues have suggested, the fact that you do not have a license does not affect the other driver's responsibility for the wreck. Please consult with an attorney who is Board Certified in Personal Injury Trial Law as soon as possible. Good luck.
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