wow and i thought i've made the mistake of not calling cops before but i've never been so blatenly stupid to not have a legal license and drive lol. you really screwed yourself, you could try to call the insurance company and see what they say/do, but if they find out you were driving with no license, they'll likely cancel your policy and wherever you go from here on out will be WAY higher for you to be insured. throw on top of it, if no witnesses and no police report, it's your word against her's on being backed into which again sucks.