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

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