[Karsun]

I talked to the adjuster about the accident and if he sues us the insurance would pay for it IF they release us from any further obligation. this is if he gets a lawyer and had serious injuries, which hasn't happened so far and I know he didn't have serious injuries since I talked to him last night. however, as far as his hospital bill, if anyone in his house or him owns a vehicle we don't have to pay his hospital via our insurance. if not, we have the coverage to pay his hospital bill because we have bodily injury coverage.
they are thus far showing him at fault since even though the police said we were, insurance doesn't go by the criminal courts as far as payouts.
so it looks like we're in the clear, which is great news. I found out that even if he did sue us we're covered. (that's the bottom line I may have repeated up top)
Rich already fixed our truck.