Legal question

I think it's actually bad luck for being uninsured, but that's not a legal perspective

The other thing to consider is the potential costs of seeking reparation, the time, energy and stress that would be involved, and the fact that if that person wasn't insured in the first place the chances of getting any money out of them would be pretty slim.

I'd suggest your family member got insurance because, in this instance, the insurance company would pay and go the other party and your family member wouldn't be out of pocket. It'd be the insurance company's problem. I think!!

Sorry - no help at all!!

Yep, can seek reparation but it can take forever and they can pay it off at ridiculous amounts like $5 or $10 a week (took me 2 1/2 years to get money from someone once when they decided to take an axe to my car) and if the person is on a benefit, often the court will reduce the amount they have to pay as they see that the person can't afford it (a crock of s**t as far as I'm concerned). At this stage I would say the person should get insurance and just deal with the costs of fixing the car, but go for reparation as well.

And yep, if you have insurance and a person with no insurance hits you, the insurance company pays out and just deals with it later. Hence why everyone should have insurance (off high horse now!)