Head-on crash with uninsured driver left woman with massive bills

Head-on crash with uninsured driver left woman with massive bills
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    2-SYDNEY:TONIGHT, A CENTRAL
    TEXAS FAMILY SUGGESTS YOU TAKE
    A CLOSER LOOK AT YOUR CAR
    INSURANCE POLICY AND HOW WELL
    IT PROTECTS YOU?2-ROBERT:
    SAVANNAH CRAIN WAS THROWN FROM
    A CAR IN A HEAD-ON CRASH LAST
    SUMMER ON TEXAS HIGHWAY 71
    NEAR HORSESHOE BAY.A WORD OF
    WARNING - WE'RE GOING TO SHOW
    YOU HER INJURIES, BECAUSE IT
    HELPS CONVEY THE SEVERITY OF
    THE WRECK.2-SYDNEY:KXAN'S
    YOOJIN CHO CAUGHT UP WITH HER
    FAMILY TODAY FOR THEIR MESSAGE
    TO ALL DRIVERS.IT'S A
    ROUTINE...(A CAR DOOR OPENING,
    SAVANNAH CRAIN GETS OUT AND
    WALKS TO HER DOCTOR'S
    APPINTMENT.)...THAT'S BECOME
    ALL TOO FAMILIAR. (A DENTIST
    ASKS, HEY SAVANNAH, HOW ARE
    YOU DOING?)SAVANNAH CRAIN,
    "I'M STILL SEEING 4 OR 5
    DIFFERENT SEEING THE DENTIST
    FOR MY TEETH. I HAVE TO SEE A
    NEUROLOGIST FOR MY HEAD."ALL
    THESE CHECK-UPS AND PROGRESS
    FOR SAVANNAH CRAIN COME WITH A
    PRICE TAG. TIM CRAIN:"THERE'S
    JUST STACKS OF... WE HAVE
    STACKS OF BILLS THAT ARE DUE,
    EITHER PAY NOW OR WE HAVE TO
    PAY OVER TIME."YOOJIN CHO:
    SAVANNAH AND HER PARENTS TOLD
    US THE DRIVER WHO CAME
    CRASHING INTO THE CAR SAVANNAH
    WAS RIDING IN WAS DRIVING
    WITHOUT INSURANCE. ...MAKING
    THIS ROAD TO RECOVERY, THEY
    TOLD US, EVEN MORE
    COMPLICATED. SAVANNAH'S
    MEDICAL BILLS ADDED UP TO
    ABOUT HALF A MILLION DOLLARS.
    TIM CRAIN:"IT'S ONE THING TO
    HAVE A FENDER BENDER. BUT IF
    YOU HAVE A CATASTROPHIC EVENT
    LIKE A HEAD ON COLLISION,
    THERE'S NO WAY THERE'S ENOUGH
    INSURANCE TO COVER A LOSS."THE
    CRAINS SAID THEY HAVE HEALTH
    INSURANCE... áANDá "UNINSURED
    MOTORIST" COVERAGE, BUT THAT
    WASN'T ENOUGH.THEY STILL OWE:
    TIM CRAIN:PROBABLY $60-70K.THE
    CRAIN FAMILY HOPES ALL DRIVERS
    WILL TAKE STEPS TO PROTECT
    THEMSELVES... AND OTHERS ON
    THE ROAD.TIM CRAIN:UNINSURED
    MOTORIST IS SOMETHING YOU
    THINK, JUST GET THE MINIMUM,
    DEFINITELY AT THIS POINT WE'VE
    CHANGED, WE'VE DOUBLED OUR
    UNINSURED MOTORIST COVERAGE.
    YOOJIN CHO KXAN NEWS.ROBERT:
    THE DRIVER IN THIS ACCIDENT IS
    SCHEDULED TO BE IN COURT NEXT
    MONTH.SHE'S CHARGED WITH
    DRIVING WITH AN INVALID
    LICENSE - A MISDEMEANOR.LLANO
    COUNTY OFFICIALS TOLD US SHE
    WAS ALSO CITED FOR FAILURE TO
    DRIVE IN A SINGLE MARKED LANE,
    FAILURE TO CONTROL SPEED AND
    FAILURE TO MAINTAIN FINANCIAL
    RESPONSIBILITY.SHE STILL OWES
    FINES FOR THOSE CHARGES.
    MEANWHILE, AS SAVANNAH
    RECOVERS, SHE'S STUDYING TO BE
    A DOCTOR.SAVANNAH CRAIN:"WHAT
    IMPACTED ME SO MUCH WAS THE
    PEOPLE WHO INTERACTED WITH ME
    AND HELPED ME RECOVER. BEING A
    PRE-MED, I KNOW THAT ONE DAY
    I'M GOING TO BE ABLE TO DO
    THAT FOR OTHER PEOPLE."SYDNEY:
    IN TEXAS -- THE LAW ONLY
    REQUIRES YOU TO BUY LIABILITY
    INSURANCE TO PAY TO REPAIR OR
    REPLACE THE OTHER DRIVER'S CAR
    -- AND PAY FOR OTHER PEOPLE'S
    MEDICAL EXPENSES -- WHEN
    YOU'RE AT FAULT. IN TEXAS --
    THE MINIMUM IS 30-60-25.
    MINIMUM IS 30-60-25. IN TEXAS
    -- THE MINIMUM IS 30-60-25.
    30-THOUSAND FOR EACH INJURED
    PERSON -- UP TO A TOTAL OF 60-
    THOUSAND PER ACCIDENT, AND 25-
    THOUSAND FOR PROPERTY DAMAGE
    PER ACCIDENT. THOSE MINIMUMS
    WERE SET YEARS AGO -- WHEN
    CARS AND HEALTH CARE COST MUCH
    LESS. ROBERT: THE MINIMUM -
    DOES NOT INCLUDE YOUR CAR OR
    INJURIES. AND IF THE PERSON
    WHO HIT YOU DOESN'T HAVE
    INSURANCE -- OR ONLY THE
    MINIMUM - IT MAY NOT BE
    ENOUGH. THAT'S WHERE UNINSURED
    AND UNDERINSURED MOTORIST
    COVERAGE COMES IN. IT MAKES UP
    THE DIFFERENCE UP TO A
    "PRE-DETERMINED" DOLLAR
    AMOUNT. OTHER "COMMON" BUT
    NOT "REQUIRED "INSURANCE
    INCLUDES: "COLLISION COVERAGE"
    COVERS DAMAGE TO YOUR CAR.
    "MEDICAL PAYMENTS COVERAGE"
    PAYS MEDICAL AND FUNERAL BILLS
    FOR YOU AND PEOPLE IN YOUR CAR
    - NO MATTER WHO CAUSED THE
    CRASH. AND "PIP - OR "PERSONAL
    INJURY PROTECTION". THAT IS
    SIMILAR TO MEDICAL PAYMENTS -
    PLUS 80-PERCENT OF LOST INCOME
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