What should I do if the other driver does not have insurance?

If the other driver caused the accident and is not insured and if you have "uninsured motorist" coverage your own policy will pay for your personal injuries. If the other driver's insurance is not enough to pay for all of your damages, your own insurance may pay the difference ("underinsured motorist") coverage. If you do not have this kind of insurance or if your damages are more than the policy's limit, you can sue the other driver. If you have collision insurance, it will pay for damage to your car, no matter who is at fault.

How do attorney fee structures work?
Most attorneys charge by the hour. Other fee structures include flat fees, contingent fees or retainer fees. The following provides a simple explanation of how each kind of fee structure works.
The hourly rate primarily depends on the attorney's experience, although other factors include operating expenses and the location of the practice. An experienced attorney may also be able to give you a better estimate of how much (s)he will end up charging you. Attorneys will charge a flat fee when dealing with a more common legal matter, such as composing a will or drafting bankruptcy filings. When dealing with a flat fee, ask what it covers. Another common fee structure includes a retainer fee. Retainer fees involve creating an escrow account into which you pay in advance, and they deduct from this account in accordance with their hourly rate.