One hesitates to comment without knowing all the facts in a case like you just described. I'm sorry for your neighbors accident and subsequent lack of cooperation from the homeowner.
Perhaps a call and visit to "Seniors vs. Crime" might help. At least they may be able to "steer" you and the neighbor in a proper direction.
BTW, Also I would pursue whatever insurance company the neighbor had under the affordable care Act---never heard of insurance (that was in force) not covering an accident as described. The hospital or doctor's may not accept the insurance "up front" but that doesn't necessary mean that the insurance wouldn't pay the medical bills to the neighbor.
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Most people are as happy as they make up their mind to be. Abraham Lincoln
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