Sticky. The other person's fault, but you left the scene of an accident, so they can pretty much do whatever they want with you. The fine will be the fine. That's the easy bit. Plus you'll have the fine for no license, no insurance. Also easy. Just money. After that, though, if you DO get held to blame (a virtual certainty since you left the scene) then the other side can sue you for however much they can. And they will. THAT'S where the real money starts entering the picture. And where the interminable back-and-forth at hearings, mediation, lawyers, etc. comes into play.