How can you negotiate with car insurance agency after a wreck if you have no insurance to cover other driver?

How can you negotiate with car insurance agency after a wreck that was caused by you if you have no insurance to cover the other driver? Are there any legal ramifications?

How flexible are life insurance quotes. Can I negotiate with company for a better rate.?

I got a quote for my family and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates.