John Larroquette -- Alleged Crash Victim Cries Owww ... His Insurance Co. Is Screwing Me

"Night Court" star John Larroquette was involved in a brutal car accident that severely injured a reality TV star, who claims he can't get no satisfaction ... from John or his insurance company.

The alleged victim is Joe Meinwieser -- a tattoo artist on Oxygen's "Tattoos After Dark" -- and his list of injuries are horrific: broken ribs, fractured spine, fractured hand, and loss of half his kidney.

Meinwieser claims Larroquette made an illegal turn out of a Venice, CA parking lot in December -- smashing into him and his motorcycle.

Police investigated, and law enforcement sources tell us it's unlikely JL will face criminal charges.

That's not sitting well with Joe -- who claims Larroquette promised to cover his medical expenses ... but the actor's insurance company won't pay up. He says he can't work, and his unpaid medical bills are mounting.