<prompt> Human: Was crossing an overpass after the light turned green and someone t-boned me as I passed the second light. I dont have insurance They are blaming meWhere do I go from here? Edit: I am aware it is extremely irresponsible to drive without financial responsibility, I live in Texas, I recently bought this vehicle a week and a half ago, and have been driving just to get to work. All I want to know is what I can do from here?Edit 2: no one was hurt, no ambulance, just a police report.  <response>: Heres whats going to happen. First, their insurance is going to believe them, and theyre going to want you to pay for the damages. Since you dont have insurance, you have no one to fight that claim, and their insurance will sue you. Assuming you show up to court, you can argue your case there and hope the judge agrees. However, their insurance company probably has an entire department of lawyers, so thats a long shot. If they win, theyll get a judgement against you, and you will need to pay. You can usually work out a payment plan with them.You may also be fined for driving without insurance. If that happens, a 250 surcharge will be added to your driver license renewal for the next three years. Your best bet is to get a lawyer. You will need one to fight their claim that its your fault and also to fight the probable lawsuit. 