I recently was in a car accident where i was at fault and uninsured. The subrogation company will not accept what i can afford. I have not been submitted a judgement order for wages to be garnished or my bank account to be frozen. Is it possible they will go for a judgement order for garnishment if so when does it go into affect after im notified of the judgement order. In other words how long do i have to get my funds from the bank at the time of judgement order notice. Will i have to go to court or no ?