Uninsured and in a collision: What happens?

What happens if you are in a collision and you have no insurance? Here is the story of how things happen.

Driver A (the other guy) turns a claim in to his insurance company. They pay for his damage. They then figure out you have no insurance. They turn the matter over to a collection agency. (Yes, they have an in house subrogation department, but they do not like dealing with people who have no insurance.) The collection agency starts to call you and harass you. They also tell you that your license can be suspended.

Pause in the story for this. Yes, your license can be suspended. DMV usually will not accept a SR-1 after 10 days. They may, but usually not. However, they do not need that to get your license suspended. If you have a judgment against you for a traffic collision and it is not paid, your license cna be suspended until such time as you pay the judgment - in full. That could be 30 days or 30 years.

Back to the story. If you do not agree to pay them, then they retain an attorney who will sue you. You will probably be sewer served. Check your county court regularly to see if you have been sued. If they win, you pay, file for BK or they suspend your license.