It's not just the Driving Test that is different in Texas.
About 2 years ago my D-i-L & Grandson were in a queue of 5 cars on the slip road to a dual carriageway. She was in the middle of the 5.
Youngish driver of a battered pick-up came over a rise and slammed into 5 cars that were stopped.
He had a $25K limit on 3rd party insurance (£25,000 not millions).
1st car hit - older car - write off -scrap
2nd - older car - write off - scrap
D-i-L - 18 month old X5 - write off (repairable)
4th - Toyota Camry - bumper/boot & lights
5th - no real damage other than bumper paint
Everybody got out, no injuries. Police called - arrested the pick-up truck driver - careless driving from what I understand - fined in court case.
1 year on
My son, the car owner, was interviewed by a lawyer/ambulance chaser.
Wanted to know all about him - his home, his employment, salary................. He was told the minimum and no personal details.
2 years on
My D-i-L was interviewed over Teams as to what happened.
4 Lawyers representing including one from my son's insurer. This is taking Court evidence which will be passed to a judge to apportion blame & damages
The Toyota driver my D-i-L was shunted into is claiming (Drum roll) $150,000 for PTSD
My son's insurer has offered $500 - take it or leave it!
My son was offered $20,000 for his wife & son's trauma from the car that hit the back of his car - he refused it as they were 100% OK. Taking money would have been in the interests of the Toyota in front suing him!
The only person with blame is the pick-up truck driver but with effectively no insurance and no assets of any kind - lived on a trailer park - he walks away having paid a $few hundred in court fines.
UK - it would have been MIB (Motor Insurance Bureau) that would have paid out to all 5 damaged cars -we all pay money to our insurer that funds MIB. MIB pays out in such circumstances here in the UK.
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