Ok. Not my car and not a kid.. My in laws driving home. Call me up, he hit somebody. I go over there.. lady is already in the ambulance. Older Russian lady in her 50s maybe. Dark corner. Rainy. My in laws both say they didn't see where she came from. She hit right above the pass headlights. Dented hood and broke the winshield (hole in the winshield). The ambulance guy said she hurt her shoulder. I know I picked some hair out of the winshield. They are both shaken up. Worried for the lady. She was conscious/moving when they loaded her in the ambulance. I didn't go over and see or get involved. Just helped get the car and them home. Here's my thing. I've taken reports for it. Testified and gave a deposition once or twice but never knew how it turned out. What happens now? I gather ny is a no fault law state and their insurance will probably cover some bills. My worry is this: they aren't rich by any means. Their insurance will cover some but what about after that? What if insurance only goes so far and she wants/needs more. Rates go up, maybe drop them. They can't afford it. One of the firemen on scene mentioned he smelt booze on her. I am guessing it will come up when she gave blood at the hospital. How much will that help her in ny? They weren't ticketed for anything. Her age may lead to bigger problems health wise. Being that she is Russian I know the scams that go on. There was an article in the paper today about some million dollar insurance ring they took down. Anyone have experience with this? From both sides?