A friend of my daughter's was recently in a bad car accident. It wasn't her fault. Some idiot decided to race through a red light in his high powered vehicle. Must have been pretty stupid to not stop and wonder if there would be the possibility of other cars in the intersection at that time since THEIR light was green and they had this idea it would be safe. In a matter of seconds, the guy's Durango t-boned the young ladies much smaller car on the driver's side. The victim has multiple fractures, internal bleeding, a bruised kidney, and emotional ups and downs. The perpetrator of the crash walked away, unharmed.
Sure, the guy did the right thing and owned up to the crash. Yes, I'm sure his insurance will pay up for the medical and car replacement for the girl. The owner will have to pay a hefty ticket, whatever his co-pay is on the insurance, and get his car insurance rates increased for a few years. The girl is missing out on her college classes, her job, and her social life. When she eventually heals, she will still have aches and pains and a tremor every time she gets into a car again.
Seems to me that insurance companies need to rethink the system in cases like this. Everyone who has the same insurance company as this guy will be, for all intents and purposes, contributing to the pay out. I'd like to see these insurance pay outs prorated according to who is at fault, what brought about the accident, etc. When someone does something as stupid as this guy did, he should be liable, out of his own pocket, for half the costs. Perhaps, if he had to scrounge to come up with it, have his salary garnished, etc., he'd drive like a responsible adult next time. He should feel a bit more than inconvenience considering what his reckless driving did to another human being.
Anyway, if anyone has a prayer for Julia, I know it would be appreciated!
