Yes. Uh oh. If you are involved in an accident and you do not have insurance, the other person’s insurance company will sue you. Sorry. It happens. But what do you do then?
Well, you could try to settle with the other person directly. This has some drawbacks, including the potential that he will take your money and still file a claim with the insurance company and then they will sue you anyway.
You can negotiate later with his insurance company. In addition to being able to argue about who was at fault, you can also negotiate a payment plan and negotiate down the amount of the claim. It takes some work, but the insurance company wants to get some easy money and move on with life. Remember, they would rather get easy money today than fight to get more money later.