It “rains” liquid methane on Saturn’s moon of Titan.

https://en.wikipedia.org/wiki/Climate_of_Titan

The issue isn't whether this is a simple claim, it is whether the guy that hit you was covered by insurance. As others have said, they could be late on payments, they could be doing something that is an uncovered behavior like driving a personal vehicle for work or gig work, etc.

What others said, and...

>I started as a business admin apprentice and have a set path to become the HR manager (my boss wants to retire).

HR Admins often have college degrees. HR is complicated. You are usually existing at the intersection of payroll and tax law, healthcare and benefits and related laws, employee relations including handling complaints and sexual harassment and related laws, dealing with workman's comp insurance, claims, and again related laws, and it has lots of writing and lots of communication.

While at the minimum a Junior College (Community College) degree would be helpful, a University Bachelor's degree in HR Management would be ideal.

Some small businesses will let a person learn-as-they-go, but what happens if that business closes shop or you make a mistake and you're fired or the owner sells and they want to merge their existing HR person into your role? You will have a hard time finding anyone to hire, even with your experience, without a degree.

You will be putting all your eggs into one basket, and that is if--and emphasis on "big IF"--when your boss retires the owners/boss's boss would put you in the position in the first place (as opposed to hiring a person with more experience, memberships in SHRM, an associated education).

So, what others said: you should be leveling up yourself like going to school while you have the good fortune of living with mom and dad and being young and employed, not worried about picking up a second job that will have you working 55 hours a week for min wage.

While your current income might feel like a lot, it isn't in the grand scheme of things.

A quick Google search could help you from saying silly stuff my dude.

Dodd-Frank was a Wall Street reform to prevent the next great recession... and parts of it have already been gutted as overreach.