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Whether you are insured or not, the most important thing in your accident is who is determined to be At Fault. If you are at fault you (or your insurance company) will be required to pay for any property damages or medical expenses incurred in an accident. The same would be true for the other person if they were found to be at fault.
That is the "civil law" side of things. If you have no insurance and you are driving, you are breaking some pretty serious criminal laws, so legally you could be in a lot of trouble.
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