A police officer would. The penalty for an accident might be negligent driving.

The penalty for an accident without a license is, at minimum, driving without a license. You're also not likely to be covered by insurance without one either, even if you're not at fault.

People think about things differently. It may be that for OP, "but I don't have a license" would cause a second thought and waste time in an emergency. They may be self aware enough to head that off.