You're driving home through Forest Hills on a Tuesday night when a car blows through the light at Queens Boulevard and slams into your driver's side. The other driver speeds off. You wake up at Long Island Jewish with a fractured pelvis, a torn rotator cuff, and a brain that won't quite work the way it used to. Then your no-fault adjuster tells you something terrifying: the fleeing driver was never insured, the plate came back to a junked vehicle, and your only path to recove