Typically, a law enforcement agency will not do an accident report on private property. Since you have no documentation, it will be hard for you to pursuit any action. Your sole course of action anyway would be civil or small claims court. Then it is your word against their word. It is a good idea to carry a disposable camera in your car to take photos. Most States require that both parties provide basic information such as name, address and telephone numbers when involved in an accident, whether on private or public property.
If two cars crash and neither driver has insurance, the police officer arriving on the scene will of course both issue you tickets for no insurance, and your license can be suspended. The officer will also determine who was at fault, generally the faulty party is responsible for damages. Otherwise you are both on your own for being negligent for not having insurance at the time of the accident.
Generally speaking, no. However, in any moving incident/violation, your driving record is checked. If it turns out that you have a few past speeding tickets, and maybe another previous accident or two where you were not at fault, the insurance company may choose to tag you as a high-risk driver and increase your premium. On the other hand, if you are a driver with a spotless record, your rates will probably not go up in the event of an accident where you are not at fault.
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