Most Helpful Guy
If the circumstances of who is at fault is clear, there likely will not be any discussion. Save that for the courtroom.
Driving with no insurance was a bad judgement call, and now it is going to cost you a ton of money. You will personally get sued.
Hire a good lawyer. He will consult you with the best options. If you are proven guilty in court, he might be able to fight to get the price down. But if they suddenly develop medical issues.. you are fucked. You can't run from court judgements.. they will garnish you wages out of your paychecks until the debt is paid..
Most Helpful Girl
Having insurance is super important.