Pal all due respect, you are missing the point. YOU NEED INSURANCE NOW. All else is irrelevant at this point. The thing you must grasp is, you were driving with out insurance, they are brutal on this one. Call and take the first price they quote. If insurance asks about infractions answer yes, only elaborate as needed. They will find out anyway, regardless. Get insurance now, all else can be sorted. $5000 fine is for starters. You will need to hire some kind of advocate for sure, unless you want to make situation worse. Biggest mistake you could make now is to defend your self with out real advice. Good luck, you need it.