Firstly, we hope your son continues to recover and has a full and speedy recovery. Our thoughts and prayers are with him.
If you are injured in an automobile accident, and you have minor or significant injuries, nearly all companies will pay for the medical expenses, up to the stated limits of the policy that is providing coverage. Medical payments coverage, although optional, is covered on nearly all policies in “fault” states.
If the driver of the other car is at-fault, they are required to carry specific minimum limits of bodily injury. Typically it is between $15,000 and $30,000 per person.
If it is a “no-fault” state, PIP (Personal Injury Protection) is typically required and will pay for the damages, although it does not matter who was at fault. Lost wages would also be covered.
If the other driver has no car insurance, then uninsured motorist protection of the driver of your vehicle can step in and pay. If your driver is not covered, you can utilize your healthcare coverage or begin litigation against the driver.
IMPORTANT: Answer was provided by Edward Harris, one of the leading US car insurance brokers with more than 30 years of experience. His award-winning website Carinsurancezoom.org provides free online quotes and offers the lowest auto insurance rates from the most reputable companies.