Flum and buggery

I was going to yammer on about my weekend, but I just got a call from my brother's insurance provider of last year: the guy I hit in March when my brakes failed has hit the limit for personal injury. As he and his girlfriend both walked away without a scratch (though his riced-out Honda was totalled) I'm rather skeptical of it all.

And yet, worried. I didn't have insurance of my own at the time, which is what the claim guy was looking for. How much am I going to get dinged for this?