What if the driver that crashed into me does not have insurance or enough insurance to cover my medical bills?

If the driver that hit you did not have insurance, you will have an underinsured motorist claim through your own insurance company.  If the driver that hit you had minimal insurance coverage, you may have an underinsured motorist claim through your own insurance company as well.  See ORS 742.500 to 742.510.  https://www.oregonlegislature.gov/bills_laws/ors/ors742.html