Am I liable for the total cost of damages if I am at fault for an accident and had no insurance?
Was involved in collision where I was at fault for rear-ending another driver. Did not have insurance at the time. No bodily injuries but now their insurance company states that I have to pay for the entire cost of the damages. What are my options and the best thing to do if I do not have the money to do this?
The best thing to do, if you cannot afford the total right now, is to talk to the insurance company and see if you can negotiate a payment plan to get it done over time. You are asking for a favor, here, so you need to approach them with the right attitude.
If you don't pay, and can't arrange a payment plan, your driver's license can be suspended until you finish paying. You can also be sued for the damages, and the insurance company (suing in the name of their insured, who they have paid for your damages) can get a judgment against you, and the judgment can be used to garnish your wages or attach your bank account or other assets.