Under the Financial Responsibility Act a person must have insurance or face a $1500-2000 fine and a 6 month suspension. The department will send a notice requesting proof of insurance; if the person cannot provide that they will be charged.
If the person is in an accident, the other party may report the lack of insurance to the city/state, which can they pursue the abov fines/suspension. The other party alone cannot do this.
If one is at fault for the accident, and they do not have insurance they will be responsible for damages to the other car, plus attorney fees, so many people will choose to settle out of court to avoid the possibility of fines/supsension, and to avoid attorney fees. Also, a court judgment negatively impacts one's credit. Many people will agree to a reasonable payment plan, provided that the requested damages are reasonable.
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Information provided is for educational purposes only. Consultation with a personal attorney is always recommended so your particular facts may be considered. Thank you and take care.