Finding out the driver who hit you doesn’t have insurance can feel like a nightmare. With medical bills, car repairs, and lost wages piling up, you may wonder: “Am I just stuck paying for everything myself?” The good news is — you still have options.

Car accidents can leave you with more than just vehicle damage — medical bills often pile up quickly. From emergency room visits to follow-up care, the costs can be overwhelming. So, who actually pays those bills? The answer depends on your state, your insurance coverage, and who’s found at fault. Here’s how it works.