When my 88 got wrecked...I was lucky I got hit by a USAA user. I told USAA we could handle this like adults and give me a fair settlement or we could go to court and it would cost them 50k just to defend it. I told them I knew it was an accident but, through no fault of my own...my situation changed. I got 35,000 for my truck, a week off work and medical...but, my insurance covered all the medical.
In your case the person is luck no one was killed...head-on collisions suck.
