In ontario there is such a thing as no fault insurance, which means - although he was at fault - I had to sue my own insurance company. It took me 6 years to get an miserable offer which didn't cover all the medical and legal expenses I had incurred during that time. My option was to turn down the offer - and go back to court - and wait an additional 4 years. Lawyers need a minimum $20,000. retainer to start an action. The drunk - had been charged 6 times before - and had nothing to his name. Sometimes there are circumstances beyond our control - I still managed to stay out of bankruptcy and negotiate most of my debts.
anyway - I posted on this site for some helpful recommendations - not sure why your posting to this thread - nothing better to do? I'm sure there's other sites out there that would be more suitable to you. Google "anal" and see if your name comes up.