In Ga if a person is driving without a license and is in a wreck whos fault?

I was in a wreck today i have a valid license and the other lady had none. she did not een have a learners and never had and could barely speak english. its was thought that i failed to watch traffic lights but i had right away but was ticketed. Oh and im also 21 weeks pregnant. the lady said he neck was hurting and went to hospital in abulance but i couldnt let my grandmothers car get impounded so i waited till i was released from scene to go to hospital and all was fine with my daughter. But my question is how am i liable if she had no license what so ever couldnt speak english and was on the phone when the accident occured. i really dont beleive i was in the wrong but was given a ticket for failure to obey traffic lights and my grandmothers car has major damage and im not on insurance what do i do.