Typically when you don't have insurance, you are in violation of state law. In NY, where I practice, failure to keep insurance is against the law. That being said, you could be open to criminal or civil repercussions.
You could be sued by the other driver, and help personally responsible for the injuries/damages. It does not matter if the police were called to the scene or not. If you caused the accident, you are responsible for the damages you caused too. Good luck.
I would check with a local criminal attorney and/or personal injury defense attorney if you have any questions. Good luck.
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