So yesterday I was hit by a car while riding. I was going west bound, they were coming from the other direction, they made a left turn without seeing me and I ran right into the passenger side of the car. I filed a report and got checked out at the ER (luckily no serious body injuries). The officer told me, however, that the driver of the car does not have a driver's license (and therefore insurance), she was young 20's. The owner of the car is her 68 year old grandmother.
I filed an insurance claim, but apparently my auto insurance company (nationwide) does not cover bike damage as it is not a motor vehicle. They are investigating to see if the 68 year old owner has insurance. My question is, if the owner has no insurance either, am I basically SOL in terms of getting repairs/replacement on the bike (as well as my ER visit)? I know this is sometimes covered by renters insurance, though I do not have any (will be getting it after this ordeal).
I know a lot of this is state-by-state. I just want to know what I should reasonably expect to happen