State laws differ however in many states if you were at fault in an accident and were without insurance to cover the damages you caused to others then you will be held personally responsible and will face penalties if you do not make amends with the other party involved in the accident.

You should thus contact the other party, or if they are putting the claim through their insurance company then the insurer, to find out how to make restitution for the damages the other party sustained. If you are working with the other party then you can negotiate with them determine how much you will pay out to them to make them "whole." When you have come to an agreement you will want to get documents showing this so that you can show the state upon demand.

If you end up dealing with the insurance company then they will likely subrogate with you. This basically means they will request payment from you for the monies they paid out on the claims that were made due to the accident you caused. If you work with the insurance company, by either paying the amount they request or deciding on a payment plan, then they should not have a reason to file a lawsuit against you.

In some states if you do not show proof of restitution after an at-fault accident which you were uninsured for then the state DMV will suspend your license and/or vehicle registration. Also if you were ticketed for driving without insurance then you will need to face those penalties that the court will hand you. Below are a couple of state examples.

Florida’s insurance regulator notes that if you are in an accident where you are at fault and were driving without insurance at the time you should first buy insurance and then next you should negotiate with each person that sustained property damages and/or bodily injuries to obtain releases for their damages. If the person is insured, you should negotiate with the person's insurance company as the company assumes the rights of compensation since they have reimbursed the insured for their loss.

In FL if you are unable to pay the amount of damages in full, you may pursue a monthly payment agreement. With the insurance coverage and releases or monthly repayment agreements, you will be able to provide them upon notice from the FL HSMV to avoid unnecessary suspensions of your driver license, tags, and registrations.

In New Hampshire if you are an uninsured motorist that is at fault in an accident and the combined damages are over $1,000.00 or there is personal injury and the then NH can suspend your driver license and registration privileges until restitution is made. Insurance then in the form of an SR-22 certificate will be required for 3 years from the date of the crash.

To find out what steps are necessary for you to take in your state to make things right contact your state's insurance regulatory body for consumer help.