First and foremost: You need to get your insurance reinstated or you face possible license suspension and other consequences. Second: You need to try to negotiate a settlement and/or payments or consider other options (such as personal bankruptcy -- last resort).
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Since the car is registered in your father's name -- he is involved. If you do not want him to be you need to satisfy the subrogation claim or he will have to do it. A consultation with an attorney is in order.
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1. Contact an attorney
2. Hire an attorney
3. Negotiate an affordable attorney fee
4. Negotiate a payment plan before they sue you and/or your father
5. If they sue you and/or your father have your attorney contact their attorney and negotiate a pyament plan
6. If your drivers license gets suspended have your attorney request a DMV Hearing to reverse the suspension
7. I have handled these types of situations before, you are welcome to call me
310 927 2252
Unfortunately, this is the biggest nightmare when you drive without insurance. The next being a license suspension from the DMV . The license suspension can usually be modified to a restriction. As for the outstanding damage, both you and your Dad ate on the hook. The best bet is to negotiate a lump sum buy out where you offer say 50 % of the debt, and see if they bite at it. If not you could start a monthly payment plan for the full amount. The creditor would rather take a lump sum. An attorney could negotiate your options, but you will most likely have to compensate him. Last option ,let them get a judgment against you in the next few years , and then file bankruptcy along with any other debts. This obviously impacts your credit.
Your father is involved as a matter of law since he is the registered owner. If its your car get your dad off the registration (won't help for this matter). Have Subro give you a copy of the repair bill, pictures and proof of payment for the repairs. Verify the damage was the same as in the accident and not enhanced for non-related items. Negotiate a payment plan.
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