That’s exactly what happened to us. Our Torino was totaled by an uninsured female motorist. We only had liability insurance.Friend got hit in his 240Z by an uninsured lady and wiped his car out.
He took her to court and /won a judgment against her.
But that judgment does not make her pay.
You must go back to court and get a wage garnishment against her or get money some other way.
The initial judgement back then in the 90's meant absolutely nothing.
The system may work the same way today and if the person is on government assistance you can't get any money from them.
Best you can do it report them to credit agency.
Messed up system.
We filed in small claims, got a judgement in our favor. Every time she got a new job, we filed for a wage garnishment. As soon as she heard her wages would be garnished, she would quit the job and go back on public assistance.
We made her life miserable for three years, but never collected a dime.