<human>: Can you condense the text into a few key points?

I want to keep it as broad as possible without getting to far into how I have reached this point. 

I was in an accident where I had caused the damages. ACCIDENT. 
I wasn't driving drunk, texting, or being an idiot. I broke to late at a red light, hydroplaned from the light rain we just had and hit another car.

The insurance company threatened me saying I owned them money I denied the idea that I owned them any money because my insurance would help me out but they didn't. So I tried to come up with the money to pay the insurance company but couldn't. No credit score meant no option for a loan.

It's not till I got pulled over for the bulb in my tail light being loose did I know it was suspended. After a month of trying to figure out how this happened, the insurance company passed the claim off to a law firm and they had the power to suspend it. 

It came down to the law firm wanting, the total expense of damages, court fees, and interest. Almost $10,000.

Going to school, I have no room for the debt like this. I plan on taking more student loans as I transfer to a university, and could never imagine, paying that off at the same time.

The end of suspension date is two years from now, and the idea of being in debt scares me. I would rather ignore the law firm, drive around illegally and safely for the next two years and get my license back without incurring the $10,000 debt. 
The way i see it is, with the income I make right now It would take me 2 years to pay off.
<bot>: I have to pay $10,000 to get my license back today for an accident I was in, or drive around illegally for 2 years and get it back without paying any fee's.