The other driver doesn’t have any insurance, what do I do now?
You would be able to use your uninsured/under insured motorist coverage if you have it. This is a very complicated area of the law. Get a lawyer. You’ll be glad you did. The most important thing is to let your insurance company know you need to use your UM/UIM coverage in writing as soon as possible. It is better to let an experienced attorney do this for you. They know how and where to do this.