Driving without insurance is illegal, but that doesn't mean people don't do it. When an uninsured motorist hits a pedestrian, there may not be any insurance policy to draw on to compensate for injuries. That doesn't mean you don't have a claim. It's a bit complicated, but in Newfoundland and Labrador, your lawyer would have to work with an organization called the Facility Association, which administers something called the Uninsured Motorists Fund. In this situation, having an experienced car accident lawyer would really help your claim and probably preserve your sanity.