Being sued for car accident without insurance?

I'm 18 and got in a car crash a couple of months ago. I pick up my siblings from school and go to college so I'm still dependant on my parents income. I didn't see this little Toyota and went for it then they t-boned me. Turns out my mom didn't pay the insurance on time.. but I didn't figure

I'm 18 and got in a car crash a couple of months ago. I pick up my siblings from school and go to college so I'm still dependant on my parents income. I didn't see this little Toyota and went for it then they t-boned me. Turns out my mom didn't pay the insurance on time.. but I didn't figure that out till after. I got a letter in the mail asking me to pay almost $20000 for that Toyota, that if I don't have insurance to pay it and if I don't legal action will be taken against me. What can I do? Can they get any of my parents assets? We're low middle class and can't really afford this. I just got a job and am gonna start to take flex term classes in college. What's gonna happen to me? What do I need to do? Do I need to quit college and work full time to pay for this? Thanks.

Other answer:

Badge203:
Everybody is going to get sued

You, as well as the owner of the car (your mom-dad),and the party you hit in court will WIN

You were in violation of state law by not having insurance, you lose

You because you hit them and your parents because they allowed you to drive a car that they knew had no insurance on it, making them at fault as well.

I see a bankruptcy in your parents future but you will most likely be stuck with paying

DO NOT FILE BANKRUPTCY until you get they (person you hit) gets the judgement amount, you have to add that in the bankruptcy list of creditors, you file before you have no protection and you will end up paying

Casey Y:
Is that car owned by you or your parents?? Either way, they will likely be able to go after your parents assets.

You will also likely lose your license for driving without insurance. whether you were aware is irrelevant…sorry.

Anonymous:
What they'll do, is sue you, and sue your mom (if the car was titled in her name). They'll attach both of your wages, and future wages, and your driver's license will get suspended until you pay this debt off.
Greg:
They can successfully go after the assets of whomever owns the car, in most states.
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