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[quote=Anonymous][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]

NP. So what?? Most people don’t expect a vehicle to be directly in front of them when they’re cruising down the road. Especially one that wasn’t there a few seconds ago. If you didn’t see him when you went barreling through an intersection then he certainly has an excuse to not have seen you, especially since he had the right to cruise through there without stopping at the time.

And you also need to learn a few things about physics. A truck can’t just stop at the drop of a hat. They also don’t have many safety features since most people aren’t dumb enough to get in the way of one. Almost unbelievable that you’re trying to blame this on him.[/quote]

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