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I was involved in a head on collision where the other drive crossed the center line of the roadway. I had Liability insurance but none for uninsured motoirist, nor do I have any personal health insuranceI also suffered spinal and neck injuries that are being taken care of by a chiropracter. The most damaging one (and the one that initiated this inquiry) is to my knee.It has a dislocated knee cap and torn cartledge, and is going to require surgery