What are my options regarding an out of state car accident for which I was at fault but did not have insurance?

You really only have three options:

1) Defend the lawsuit: that is, when you go to court, try to present evidence that you were not at fault. However, since you write that you *were* at fault, this will probably not succeed. If you were at fault, you are liable, or responsible to pay, for all the other party's damages, costs, and injuries. You can also try to show that the damages, costs, injuries were less than are being claimed, but it is likely that he or she can prove (e.g. bills, receipts, etc.) most or all of them. So while you can try to defend, if you were at fault, you will probably lose.

2) Settle the case: offer to pay less, and/or pay over time, in order to resolve the case with trial. The other side will often accept something less than the full amount and/or payment terms to avoid the time and cost of trial. A successful settlement is not guaranteed; it depends on their being some amount that you are willing to pay (and can afford) and they are willing to accept.

3) Allow them to sue you and win, and then either:

a) if you don't have many assets, much money, or a a job, and you live only on social security, a pension, a 401k, or disability, don't worry about it too much--they can't touch those kinds of income, so they can't really get anything from you;

b) if you have a job or assets, but can't afford to pay, declare bankruptcy--as long as you did not cause the accident DUI/DWI, bankruptcy will reduce or eliminate a debt from this kind of lawsuit. (You'll then have to live with the consequences of bankruptcy to your credit history and ability to get credit for the next 7 - 10 years.)