There are states that do not require insurance. So, there is a chance she did nothing wrong. However, if she is driving in a state that requires insurance, her state's department of motor vehicles will deal with her.

As for your part in this accident, by hitting this person from behind, you will probably be charged for the accident. If you are deamed 'at-fault' for this accident, she will be eligible to recover from you and your insurance company everything that she is entitled to under your state's law. You can use this link to look up your state's department of insurance and its insurance rules.