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You will be responsible for the repair of your own car, if it is repairable.

You may also be financially responsible for all damages (including property damage and bodily injury) sustained to the car and occupants of the other car. Depending upon the severity of the damages, the Financial Responsibility Law of the State in which you have your license may suspend your license and tags.

If the other party had insurance that pays for the repair of the other car, and/or pays uninsured motorist benefits (for bodily injuries) can sue you under a theory of law called "subrogation". In effect, the insurer inherits its insured right to try to recover from you the insurance benefits that it paid.

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