On September 1, 2007, I made an "unsafe lane change" and sideswiped a car. I have no insurance on my van. The other driver had PLPD on her grand am. Her car was not totaled but damages were $3800.00. She has not sued me yet as it just happened. What is the max amount she could get from me? Would I have to pay the $500.00 minitort amount or would I be responsible for the full $3800.00 since I did not have insurance?