This day in time, I say yes it can happen. I carry an extra $300,000 liability on my homeowner's policy. Cheap, like 20 or 30 bucks a year. If you don't have it, check with your agent. My 13 year old son was hit by a car in front of the house this summer. Rookie officer wrote the report as to look like his fault. He was in a no passing, double striped lane, going the proper direction, she came up behind and ran over him. She stated my son swerved in front of her car. Well, in my mind he should have had control of the lane. My homeowner's had to pay for the damage to her car. Crazy huh?
