>  What if it was nobody's fault?

That never happens, the insurance companies always agree between them who 
will pay (sometimes it's split 50/50).

> What if there was no insurance?

Not having a minimum of 3rd party insurance is illegal in most countries - 
of course that doesn't mean it never happens, but it's only a very small 
minority of cases.  Under that situation it means the insurance company of 
whoever owns the damaged property must pay up themselves - even if it wasn't 
their fault.  Of course you can try to sue the uninsured driver to get some 
money back, but for small amounts it usually isn't worth it.

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