If you don't have travel insurance, you'll be responsible for any accident expenses.
ご質問ありがとうございます。
・「If you don't have travel insurance, you'll be responsible for any accident expenses.」
（意味)海外旅行[保険](https://eikaiwa.dmm.com/uknow/questions/88156/)に入っていない場合、事故の費用は自己負担です。
<例文>If you don't have travel insurance, you'll be responsible for any accident expenses. So it's better to get travel insurance even though it could be a little expensive.
<訳>海外旅行保険に入っていない場合、事故の費用は自己負担です。 なので少し高いかもしれないですが保険に入ったほうがいいです。
参考になれば幸いです。
If you don't have any overseas travel insurance and you're involved in an accident, there's a chance that you may be held responsible for any costs or damages that arrise.
この場合、次のような言い方ができますよ。
ーIf you don't have any overseas travel insurance and you're involved in an accident, there's a chance you may be held responsible for any costs or damages that arise.
「海外旅行保険に入ってなくて事故にあうと、発生する費用や被害の責任を負う可能性があります」
overseas travel insurance「海外旅行保険」
to be involved in an accident「事故に遭う」
to be held responsible「責任を負う」
ご参考まで！
アメリカ合衆国 
カナダ 
