<ul>
<li><b>Physical burden</b>
<ul>
<li>Pain and suffering
<li>Rehabilitation
<li>Loss of time for normal pursuits
<li>Need for further surgeries
<li>Future limitations and health issues
</ul>
<li><b>Financial burden</b>
<ul>
<li>$285,000 in total medical
<li>$15,000 legal fees
<li>$100,000 insurance payments
<li>$200,000 uncovered liabilities
</ul>
<li><b>Observations on Accountability and Responsibility</b>
<ul>
<li>Driver who caused the accident has no assets
<li>Victim of the physical damage is also a victim of the financial burden
<li>Government authorizes individuals to operate deadly weapons (automobiles) with limited liability ($30,000 minimum)
<li>Insurance companies deceive customers into thinking they are covered.
<li>The courts should automatically assign responsibility for real costs (medical expenses) to the injurer. This does not include settlements re pain and suffering which would be dealt with in civil suits.  That way, the lien holders of those medical expenses would go after the injurer and not the injured. 
</ul>
</ul>