Had the same thing happen to me 2 years ago while waiting at a red light. A woman blasted into me and the 2 cars in front of me. She ended up in the oncoming

Had the same thing happen to me 2 years ago while waiting at a red light. A woman blasted into me and the 2 cars in front of me. She ended up in the oncoming traffic lane and her car did a 180 so she was facing the opposite direction. This was at the end of an old bridge where the lanes are narrow and the speed limit is 35 MPH, ie, a hazardous road in the first place, and yet traffic routinely drives 50 MPH - without even paying attention! She had the minimum required insurance for KY, 25/50/10, which is ridiculously low. My ER visit was $22K, and the total bill was $45K after all was said and done, including a nose surgery. That is only the doctor/hospital costs, not pain and suffering. I had to pay $20K above my car settlement for a (used) replacement car. The bodily injury claim is still pending with my own insurance company for underinsured motorist, and they've ignored me for 4 months. I have a 2-year deadline coming up, so if they continue to ignore me, I'll have to sue them. And the fine for texting while driving in KY? That would be $25. It's been a shitshow for nearly 2 years, all because some dumbass was using her phone instead of driving. I hate driving now and avoid it whenever possible.