Jim was commuting to work today and got hit by a car that ran a red light. It was 6:00 in the morning and the driver said that he didn't see any other "cars" in the road.

Jim was knocked unconscious (EMT said he was out for about 10 to 15 minutes). He says he remembers getting on his bike this morning and nothing else until waking up in the ambulance. He has a concussion, cracked ribs, several broken teeth, and a broken collarbone. He's having oral surgery on Friday.

I almost got sick to my stomach when I saw his bike and helmet. The bike is bent almost in half (frame fractured in several places) and his helmet looks like an eggshell. Of course the only thing Jim keeps asking about is the condition of the bike...it's his baby. He's afraid that the driver's insurance won't give enough to pay for the bike.

The driver was clearly at fault. Are they responsible for his medical bills and lost wages? We don't want to be labeled as the type of people that are litigation crazy...but I am hoping to avoid a lot of out of pocket expenses for the dental work.