Unfortunately, there aren't a lot of great options when this occurs. It's one of the biggest reasons to carry uninsured motorist coverage and medical coverage. However, an injured person can negotiate for payment from the at-fault driver if that person can afford such an agreement. However, most people can't afford to cover damages since they probably don't have enough wealth to afford it. The other option is to negotiate with the medical providers by requesting them to reduce their bills. They are often willing to negotiate once they have been informed that there is insufficient insurance and the injured person can't afford to pay.