If you have uninsured/underinsured coverage (required by most auto loans): your insurance company. if you don't, you pay and/or sue the other driver.
And what good is it trying to sue a “poor person”?
While I never had to sue anyone, I looked into all of the hoops you have to jump through to collect damages when I was a landlord. It wasn’t worth the time or the effort.
Because that is what uninsured motorist insurance is for? If you buy flood insurance and it floods…
They go to covering your risk of loss from damages causes by an actor from whom funds cannot be recovered.
> And what good is it trying to sue a “poor person”?
None, often, that's a large part of what you are insuring against by having uninsured driver insurance.
And in my original comment i was speaking to the nomenclature of "everyone has $1mm liability insurance" rather than anything else. I hadn't eaten all day and it shows in my comment history full of snark and toeing the line of being a decent person.
The insurance company was going to look into suing the driver, but it's not like there was even enough money there to pay for the lawyers.