回複：沒戲了，問了保險公司我們買的保險不cover,我們應該

1. Lawyer may not don't accept your case since there is no money could earn.

2. If you don't want to make a deal personally, the only way you can do is sue him in small amount court. However, it is still possibly you can not get money since he is poor. But you can let the court help you to make a plan. It is better.