Normally, if you're injured in a vehicle accident, the insurance company of the driver at fault is liable for all compensation, including all your medical bills and costs of therapy. For this reason, you should keep copies of receipts for all expenditures brought about as a result of the accident. If you were partially at fault for the accident, the settlement can be pro-rated in proportion to the percentage of guilt on the part of each driver involved. If your insurance policy includes coverage for personal injury, your medical costs may be covered, even if you were at fault. According to the law, every vehicle driver must carry insurance to cover injuries to a third party. Despite the penalties for driving uninsured, there are vehicles on the road that are uninsured. If you're injured in an accident in which the other driver is at fault and is uninsured, you may still be able to have your medical expenses covered by a crime victim compensation fund. Such funds exist in all states and consist of the proceeds of fines paid to the court system in that jurisdiction. Generally, these funds only compensate actual expenses up to a certain amount, and the exact state regulations differ. If you've been injured by an uninsured driver and would like more information, consult an attorney.