State liability and negligence laws differ but generally if you are the driver you are the one that should be in control of the vehicle and keep it from colliding with other cars or objects and thus will be held responsible.
Since your friend was supposedly teaching you to drive and allowed you to drive her car without a license there might be some liability with her as well. To find out what you may be held liable for in court you will want to seek legal advice from a lawyer that specializes in this type of state law.
When you are licensed you can obtain auto insurance quotes here with us.
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