What happens of you get into an little accident and it was your fault and they don't call the police and you only have a permit and are fifteen please answer?

WELL IF THE PERSON IS OK AND DOESNT TELL U ANYTHING JUST EXCHANGE PHONE NUMBERS AND HAVE THEM TALK TO YOUR PARENTS AND JUST MAKE AN AGREEMENT THAT YOU (OR THE INSURANCE)WILL PAY FOR ALL THE DAMAGES BUT JUST SAY THAT YOUR PARENTS WERE DRIVING. AND SO YOU WONT GET IN TROUBLE. (WITH THE LAW)