What happens if two people get into an accident and one driver has a suspended license and the other driver has no auto insurance and the accident was caused by the person with no insurance?

Good luck getting any relief from the damages caused by the driver with no insurance since you were on the road without a license. Given the circumstances, you cannot file a police report. If the other driver offers cash, take it. Your insurance certainly won't pay either. I suppose you might park the remains of your car and start riding the bus or bike until your suspension ends.