What is the name of your state? New York....I was involveed in an accident a few days ago. It was on the highway...A car had slipped on the ramp and hit a guardrail then 5 minutes later I came along and slipped in the same spot hit the guardrail and then hit the back of the car. I didnt have insurance on my car so I offered to pay them out of my own pocket. Is it illegal to pay them without going through an insurance company? Please help because I'm scared....they said it is fine that I pay them but I just want to make sure I wont get in trouble for it....also, the state trooper called my house asking for my information but I wasnt home...what should I do?...am I going to be arrested?