I often hear about people who get hit by uninsured or underinsured drivers, and are happy to receive any type of settlement. Many are not aware that their own insurance company is in the business of making money not ensuring their clients are made whole. So while it’s idea that the liable party pay for everything, there is a chance they only have liability insurance, or worse, no insurance. All is not lost!
In those instances, it would be foolish not to consider your insurance company for compensation especially where there is significant injury and monetary lose due to inability to work. Always get a free consultation from an attorney regarding your matter.  At a minimum, you will be better informed, and perhaps even see there are more options than you had considered.
At a minimum, always get a police report done so whoever the irresponsible party is, they are cited and are held responsible.