Legal Question in Insurance Law in California

Re: Can the insurance company come after me?

Yes. The police officer's (non)opinion of who was at fault is not binding. If your case goes to trial the jury will make its own assessment from the evidence available. Your lack of insurance also doesn't prevent the other insurer from suing you; if it did, drivers would have a perverse incentive to drive without insurance.

Re: Can the insurance company come after me?

Yes. More than likely the other driver's insurance company will pay its insured, and then seek payment from you through a subrogation lawsuit. The statutes of limitation are different for subrogation lawsuits than for straight personal injury claims. It might be wise to have an attorney represent you if you receive a subrogation letter from the insurance company, to try to negotiate a settlement.

Re: Can the insurance company come after me?

Yes, they will sue you. They have entire departments set up to collect money back. Before they file a lawsuit, they may send this to a collection agency. Collection agencies can be very aggresive in trying to collect money from you. I have written about dealing with the collection agency, in length, at my blog, www.calpiblog.com You should read some of that to make sure you are prepared when the nasty phone calls and letters start coming.