If the other driver doesn't have insurance, there's a number of things that need to be looked at. The first is there somebody else that's responsible for the driver's negligence? Maybe the driver was drunk and a restaurant or bar over-served them alcohol. We may be able to pursue a claim against that dining establishment. It's also possible that maybe someone negligently entrusted the car to the driver who then caused the accident. That's something that needs to be looked at.
But another thing is what's called uninsured motorist insurance, and that's coverage that's available to you and any occupants in your vehicle in the event the driver doesn't have insurance, or not enough insurance to pay all your medical bills.