In this case, the driver is not responsible, it is the owner of the vehicle that is responsible. It is his car and his responsibility to make sure that all drivers of his vehicle are insured when they drive the vehicle.
You need to call one of those lawyers who advertise on TV. The owner of the car is responsible and if the driver was excluded from the policy but was allowed to drive the car anyway, you can have his house, car, and all his wages for the next 100 years, and probably the same from the driver. But when you win the case, they'll declare bankruptcy and you'll probably never collect.
Who has insurance and who has license, is a non factor in determining liability for the accident. The person who is at fault will be based upon the police report and who caused the accident. You have no insurance, and have left yourself wide open to a judgment against you that could cost you plenty. You chose to drive without insurance, and in doing so you will be require to accept responsibility for your actions. You do not even have uninsured motorist insurance to cover your damage even if the other driver is at fault and cannot pay. You were not insured, and will now pay for that mistake.
A personal injury attorney is the type of lawyer that handles automobile accidents. When there is an auto accident the broker that provided insurance for the cars is contacted and they provide you with an attorney. However, at times you may not have insurance or the insurance may not accept your claim then you would contact a personal injury attorney.
Do the "right" thing and pay the consequences. You made a decision to leave the scene of an accident and now you want to get out of the consequences of that decision. This is what is wrong with society today. People do not want to accept responsibility for their actions. Accept your fate for doing something stupid and vow to never do anything like this again. Tell the judge you realize what you did was wrong and you are very sorry for that idiotic decision. Throw yourself on the mercy of the court and accept the penalty.
It has been my experience that providers of health care are not obligated to accept secondary or even primary insurnace coverages if they are not under contract with that insurance company. I believe they are free to accept no insurance coverage at all and demand "cash" up front if they so desire. This would leave it your responsibility to sent the bill to your insurance(s) carrier(s) and get direct payment assuming they cover out of panel care. Some providers can not refuse you care even if you had no insurance but you would be responsible for the cost of care.
You can hire a lawyer that will plead your case in court but that will cost you a lot of money. I'll assume that you don't have a lot of money otherwise you would have had car insurance. You will have to face the face that you have done two things wrong. You have caused an accident and you have driven a car without insurance. At times like these we need to accept what we have done and pay the price.
Your insurance company is going to review the police report, your statements, and the statements of witnesses and the other party. After they review that they will make a determination of fault and decide to accept liability or not on your behalf. If you think that you were not at fault in the accident make sure that you file a claim against the other persons insurance.
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