I am afraid that as an unlicensed driver, you have a problem and your friend's insurance may refuse to cover this accident and the other insurance may refuse to cover because of your unlicensed status. If the other insurance company driver was at fault, then you need to file your claim because the other driver is liable to the owner of the car for the damage to the car and to you for any injury you suffered. They are going to fight this as I said because you did not have a license, but generally the courts will still hold them liable where you were not at fault and this means if you have physical injury you will need an attorney to represent you for that. Your friend's insurance is coverage on the car itself so they will typically cover anything, they will just be arguing because you have no license.
As far as damage to your friend's car typically the two insurance companies will fight this out and the other insurance company will end up paying for the damages to the car.
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