Wow.. Firstly I hope your boyfriend is OK and I hope he recovers swiftly!!

With regards to the insurance side of things - it certainly is different in the US compared to Australia!!! Over here we have to pay Compulsory Third Party insurance, which covers personal injury to anyone involved in an accident (except usually not the driver at fault). So in Australia, your boyfriend and his medical costs and rehabilitation would be all automatically covered! It's interesting, I think, to compare what different countries do... I couldn't imagine having to take someone to court every time there was an accident!!