Well as covered by others before me, unfortunately you're pretty much on your own.

I had a similar incident happen to me a few years ago as well. I was driving along on a straight road dropping a mate off home when the guy next to me just swerved into me without checking his blind spot. We pull over, got details and even had the police and ambulance arrive at the scene cause my mate dislocated him leg.

A police report of taken, both our statements were lodged, and you know what? - until this day I have yet to receive this bloody report.

Went to the legal aid office and they said pretty much you can try and get the money off the one at fault but if they don't pay up you can go to court, but be prepared to have a lengthy hearing and in the end IF it goes your way get ready for a $5 a week payment for the next 100 years.

Police won't have the power to do anything as car accidents are civil matters. The only way for the other person at fault to pay is if you pray that they are law-abiding citizens and have a straight game, otherwise you just have to cut your loses and move on.

Driving without even a 3rd party property insurance is always a risk, and more so if something happens to you - turning into a huge headache and expensive lesson.

Good luck with it mate and hope all goes well. And remember to get at least 3rd party property next time. A few hundred bucks in the short term can and will save you a lot of headache and heartache.