If I was at fault for an accident but I didn’t have insurance, what should I do?

If the party who was NOT at fault in the accident had uninsured motorist coverage, he/she will file claims for property damage and personal injury through their insurance company.  Their insurance carrier will sue you to recover the amount it pays on the claim(s).

If the party who was not at fault, did not have uninsured motorist coverage, that party will sue you for negligence for their property damage (cost of repairs to the car) and their personal injury claim.

On the personal injury claim, you will be liable for the medical bills, pain and suffering (an amount in addition to the medical bills) and wage loss.

If the opposing party or the insurance carrier (on an uninsured motorist claim) obtains a  court judgment against you which you are unable to pay, at that time you might want to consider filing bankruptcy.

If you are eligible to file Chapter 7 bankruptcy, which is straight liquidation, the debt can be eliminated.

If you are ineligible to file Chapter 7 and file Chapter 13 bankruptcy, you will need a plan (budget) for repayment of creditors.

You don't need to do anything until you hear from the other party or his/her insurance  carrier.  Until there is a court judgment against you, it would be premature to file bankruptcy.

Don't worry about it because it might be a year or two before there is a court judgment against you.