In Virginia, driving without insurance and without a license are both serious offenses. According to Virginia Code 46.2-300 driving without a license is prohibited and a conviction of this violation constitutes a Class 2 misdemeanor.

A Class 2 misdemeanor can result in either confinement in jail for up to 6 months and a fine of up to $1000 or both. Driving without a license is also 3 points on your driving record (which you have even without a license).

The VA DMV lists driving without insurance as coming with penalties such as driving and vehicle registration privileges being suspended and fines. Since you do not have a license, it likely means to you that you will not be able to obtain a license without paying extras fees and filing a financial responsibility insurance certificate (SR-22).

Since you were driving as an uninsured motorist and involved in at-fault in an accident, you will likely be held personally liable for the damages the car and driver sustained. If you do not reimburse the other party on your own, they might seek a judgment in court against you.

Because of being in your mother's car at the time of the accident and if the vehicle itself was not insured, she may also be held liable as the vehicle owner and have to face penalties for allowing a car without insurance to be driven.

If either you or your mother need an affordable Virginia auto insurance quote, get one here.