What are uninsured drivers responsible for after an accident?

1) If you were at fault in causing an accident--for example, you were driving negligently, or carelessly, such as driving too fast for conditions, ignoring highway or street signs or lights, were intoxicated, were texting on a cell phone, etc.--you are liable, or responsible, for the injuries and damage you cause. Even if you were not entirely at fault--the other driver was also careless--generally you can be held liable for a portion of those costs, the amount related to your degree of fault. Only if you were not at fault at all should you not be liable at all.

2) If the other party had insurance, the insurer would pay for his injuries, property damage, etc.--at least up to the limits of his policy.

3) Insurers, however, get what are called subrogation rights. This is the right to sue an at-fault driver to collect what they paid out to their insurered. So, for example, if the insurer paid out $20k, they may seek to collect that $20k from you--the insurer does not have to absorb the cost, if you were at fault.

So if you were at fault, the insurer could seek payment from you. If you do not pay voluntarily, they could sue you for the money; potentially, if you are sued and they obtain a judgment against you and you do not pay, then I believe you could lose your license.

If you do not believe you were at fault, you could refuse to pay and then look to defend yourself in court--that is, present testimony and evidence showing that you were not at fault. The insurer has to prove that you were, by a "preponderance of the evidence" (or more likely than not) that you were at fault to win in court.

If you believe you were at fault and the amount they are seeking is not too great, you may wish to pay it to avoid collections and litigation.