What happens if you are in an accident that was not your fault but you do not have insurance?

Since you are not suppose to even be on the road without insurance, you will get a fat ticket for this and probably have your license suspended. Also, you will have a VERY hard time getting insurance. If you are lucky enough to get insurance, your premiums will be nearly impossible to afford. The other driver's insurance will pay for her own damages and maybe yours, but that will be a battle all by itself.