I'm sure that quick judgement against the hypothetical drunk driver will result in you soon receiving the hypothetical hundreds of thousands of dollars he has in his hypothetical savings account.

I'm not a lawyer, and every case is different, but you should be covered by his insurance or your own insurance in that case. If you're driving without uninsured motorist protection, that's an entirely separate issue.

And, again, we're talking about the equivalent of a car warrantee, not collision insurance. There's no argument that universal collisions insurance (and uninsured motorist insurance) is a good idea.

I said talk to your lawyer because if you're not getting paid fast enough, there are creditors and insurance companies that needs to be negotiated with.

In my opinion (and I suspect you simply disagree), a working healthcare system in a thriving society would not have "hundreds of thousands of dollars in debt negotiating with insurance companies and hiring lawyers while recovering from major surgery" as one of its common states. Whatever the answer is, I don't think "talk to a lawyer" is a very satisfying dismissal of the problem.

Ya, because the justice system is so efficient. While I wait two years for a settlement that might or might not cover all of my bills, I can fend off creditors while my FICO score goes down the drain (and that is even if there is somebody to sue).

If you believe that medical bankruptcies are okay, then there is really nowhere for this discussion to go because I happen to think that is total hogwash.