I am sorry anyone has to go through this. Being hurt is bad enough, but no one should have to pay for injuries caused by someone else.
A good lawyer starts out by looking at the most likely places to get money. If the other driver is uninsured, you start with your own auto policy to see if you have uninsured motorist coverage. You also look at the auto policies of anyone else who might be considered a member of your “household”.
I would also look in your own auto policy for Medical Payments Coverage, which I have seen carried with limits of $25,000.00 in some auto policies.
If you are a passenger in a car that is hit by an uninsured driver, you look at both your own auto policy, and at the policy of the driver of the car you were in.
Some people have “umbrella” or “excess” coverage that also provides uninsured motorist coverage. This usually is sold as a separate policy from the auto policy.
If you were doing something for your employer at the time of the collision, you might be eligible for Workers’ compensation. If the other driver was on an errand for his boss at the time of the collision, his employer, or his employer’s insurance, might be responsible for your injuries.
It might take a lawsuit to find this out.
If the other lawyer had a passenger and they were on a “joint venture” for a business enterprise, the passenger might be responsible too, although to be honest the last time I heard of a case in which the passenger was found liable was law school. This would almost definitely require a lawsuit.
Unfortunately, this is a bad way to learn that you have to buy not only insurance against accidents, but also insurance against other drivers who are too cheap to buy their own coverage.
The good news is that sometimes, a resourceful approach by your lawyer can make a difference. And you can find out about the most likely sources of recovery quickly.
I have been a lawyer over 30 years. It is important to look at every possible source of money when you are hurt. If you have a personal injury case in Cincinnati, Ohio or if you want to know what your lawsuit is worth, talk with an experienced Cincinnati Injury Lawyer about the case. Call me, William Strubbe, at 513-621-4775.
Because all situations are different, and because there may be other facts pertaining to your case that I don’t know about, you should not rely on this answer for legal advice. I am not your attorney, and no lawyer client relationship has been formed.