The Accident
Emily lived in a rural area about 30 miles outside of San Antonio, and she was on her way home that evening when all of this happened. The highway was divided by a grass median, and there were two lanes going in each direction. In that area, the rural roads that intersect with the highway don’t have an overpass or traffic lights, just stop signs. If someone wants to cross the highway, they have to ensure that traffic is clear in both directions.
That evening, the other driver thought he could make it across, but he wasn’t even close. The front of Emily’s SUV crashed into the front passenger side of the man’s car. The speed limit out there is 70 miles per hour, and she was going about that fast. The impact flipped his car over onto its hood and spun it around. The impact redirected Emily’s SUV, and she drove off the road. Both vehicles came to a rest far from the roadway.
At-fault Driver Was Not Covered By Insurance
The police at the scene did their investigation and gave Emily’s family the information about the guy who caused the wreck. After a few weeks, his car insurance company said that since the driver was not listed under the policy, they were not obligated to pay for any of Emily’s medical bills. It’s a squirrely rule here in Texas, but in certain situations, when someone is driving a borrowed car, the car insurance company doesn’t have to pay. Luckily, Emily’s policy included coverage for when the other driver doesn’t have any insurance. We were able to work things out with her own insurance company, and they paid the full policy amount. Since then, Emily has been able to heal, not only physically but emotionally and financially as well.
