The insurance of the previous owner does no apply to you at all. It ceased to be effective as soon as you became the owner of the car.
Providing that the appropriate parts of the V5C form were correctly filled in the DVLA will know that you are the Registered Keeper of the vehicle, so all correspondence from the police will be sent to you. If there was a delay in sending the form to the DVLA then the previous owner will be the one that they contact.
He will tell them that he sold the car to you and so from that moment onwards you were wholely responsible for it. Therefore there will be no problems for him.
You were driving without insurance. This is a criminal offence under the Road Traffic Act.
The responsibility for the crash, the cost of recovery and repairs, and the criminal penalty must be borne by you.
You will be prosecuted. Your case will be heard in a magistrate's court, they do not have a jury in these courts. You will have penalty points on your driving licence and fined, and probably charged legal costs too.
It will be very expensive in fines and costs. If anyone had been injured then you may have been facing a prison sentence as well.
The only thing you can do is to be honest with the majistrate in court. Tell him that you were taking a chance by driving home without insurance, and hope that they do not fine you very much.
If you try and plead that it was not your fault because of the rain, or try and claim that you "need the car" then they will consider that you are taking the court for fools and increase the fine. You have been foolish and committed a serious offence. Do not try pathetic excuses in court, they never work.
It may help your case if you improve your standard of English. What you have written is not good. If you can make your English to a higher quality than it is in your question you will make a better impression in court.
When you try to buy insurance properly next time you will find that the premiums will be VERY high.
The Road Traffic Act 1988 c52 section 145