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You will be solely responsible for his injuries and for all costs incurred due to the accident. If you choose to drive without auto insurance then you must be extremely rich in order to not carry insurance that would have paid for these costs as well as the persons pain and suffering and work loss that he certainly will have due to your inattention while driving and hitting this poor bicyclist. To make sure you pay all these damages and costs the State will most likely suspend your drivers license until all these amounts are paid in full. Sounds like you might need to by a bicycle as well but be careful out there.

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Q: What can happen if you accidentally run over a bicyclist but you have no car insurance?
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