What happens when you get into an auto accident without a drivers license will depend on the State you live in and your local laws as well as the cop who shows up at the auto accident.
Most likely though you could get arrested for driving without a drivers license and your car will be towed away and impounded.
If the other driver is at fault for the auto accident then they'll still have to have their insurance cover the damage to your car even if they're at fault and you have no license to drive.