: How to reduce cost after a car accident at fault and no insurance There is an at-fault car without insurance (on CTP) crashed into another car and caused damage to both cars. No injuries. It's gonna cost a lot of money.

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In the UK, if you damaged my car, I would inform my insurance and leave it to them. They will send someone out who checks what repairs need doing, they can do the repairs for me, give me a courtesy car while I'm waiting for my car, and send the bill to your insurance. Or since you don't have insurance, they send it to you.

What they are not going to do is ask you about your opinion what repairs are necessary. And they will make you pay. It can take a while, but you will pay.

Don't drive without insurance. It can be expensive. It can destroy you financially. And nobody outside your family feels in any way bad about it if that happens to you.

If you can't afford insurance, sell your car. Use public transport, or a bicycle, or get a taxi. Don't drive without insurance.