[masraum]

Originally Posted by MRM

You will get a tremendous amount of advice, some of it good, much of it bad, asking about insurance claims here. The short answer and the right answer is that he should consult with a personal injury lawyer in your state and make an insurance claim. The driver who cut him off but didn't stop is called a phantom driver. The fault caused by the phantom driver is covered by your son's uninsured motorist coverage and does not get charged against him. There a an infinite number of permutations to how to handle the property damage, possible injury claims, medical bills, time off work, etc., that only an experienced personal injury lawyer can help you navigate intelligently.

Thanks, I don't think he has uninsured motorist. I'd be surprised. I suspect he's got the minimum coverage, which in Texas is:

If you choose to buy liability insurance to comply with the law, your policy must have the following minimum limits:

$30,000 for each injured person.
$60,000 for injuries per incident.
$25,000 for property damage.

Thanks for the advice. I think the only 2 things that he'll have to worry about are the bills for him to be checked out today after the accident and the loss of the vehicle which was probably only worth 1500-2000 (15+ yo Ford Explorer with +120k miles but was in very good shape). He's in good shape other than being shook up and a bit stiff/sore. I assume he'll be more sore tomorrow.

So really, all he'll have to worry about are the med bills from the ambulance ride and checkup at the hospital.