Bao from Union City writes, “Chris, I got into a car accident last week and broke two ribs. My sister was with me and she suffered a concussion. The other driver ran a red light and hit us. I was driving my sister’s car which was totaled. I found out after the crash that my sister doesn’t have insurance. The agent for the driver who hit us says since the car was not insured he doesn’t have to pay for my injuries. I have my own car insurance policy. What should I do?”