What are the punishments for driving without a license AND having a 2 year old in a car in California?

With only liability insurance, you will have to sue the woman to be made whole. You don't need any insurance agent to look at your car to be able to sue. If you are going to try to get the cost of damage repairs from her, then simply have a body shop come to your car and give you an estimate.

Then file a suit in small claims court for the amount of the estimate (or any other amounts you want to receive). Good luck. A person with no license and no insurance is probably not going to pay you even if you win the lawsuit.

To prevent this in the future, you should consider buying Collision and comprehensive coverage for your car.

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