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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I ran a (non 4 way) stop sign in Arlington last summer (July) and my Accord was T boned by a Ford coming from to the right side of the intersection. The driver was alert, yelling & no visible injuries. His front passenger was a woman who stepped out & walked to us. But the driver did not step out and walk. Medics got him a neck brace and took him in an ambulance. I assumed it was a whiplash. I was told he was taken to maybe Georgetown which is a bigger trauma center. He did not have motor insurance.

I got a note from my insurance company today saying that the damages maybe more than my limits of property-100K & bodily injury - 250K

I am very surprised that his medical costs would be more than 250k? I am not trying to be insensitive but trying to understand how the collision could cost so much medical expenses. My family of 4 (including my 2 kids whose passenger side door of my 2004 Accord which was directly hit) were not hurt, and the other driver was on a way more powerful & newer 2015 Ford (whose front had collision damage) but was far away from any direct impact in the driver’s seat. Maybe he had pre-existing medical conditions, that was worsened by the whiplash/impact, would I need to cover that? Or is he asking for pain/suffering and/or lost wages or some other claim? (I still have to call insurance they are in PST)

Would appreciate any advice?[/quote]

[b]OP - I just want to make sure I'm clear on this. You ran the stop sign?  [/b]

If indeed this is the case, you better suck it up and lawyer up - and pray you have umbrella insurance.  What were you doing that you ran the stop?  Also, the other driver not having insurance has no bearing on this argument. His insurance - if he had it - would not even pay out a dime as you are 100% at fault.  His more powerful and newer vehicle has no bearing on this argument, because you ran the stop and it is 100% your fault.  [/quote]

Exactly.  Also, the way you hit is car----you were direct, he was hit from the side can cause more damage to a person.  Also--pay the f*ck attention.  Why are you running stops signs?  There are so many a-holes that come through our neighborhood full of children doing this.

[/quote]

OP here, not that it matters in terms of liability, but I mentioned in the OP and my above post, my car was T boned. I was in his direct line of sight. He was not in mine. My car was hit directly on the passenger side doors. His damage was to his front bumper.[/quote]

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