I was hit by a car in early december. I was conscious - answering questions afterward, but I have no memory of it. I basically woke up in the hospital 5 hours later after cat scans and a few staples and 1 stitch. I wasn't hurt very bad, just a concusion from smacking my head on a curb. According to witnesses, I ran a stop sign at an intersection, and the car that hit me was driving on the cross street (aka not head-on) and they DID stop at the intersection. that's all I know. frustrating indeed because that's not like me, and I don't know if maybe there was some miscommunication between me and the driver, like I assumed they saw me and weren't going to hit me, and they didn't see me or whatever. the point is, in the police report, all it says is I broke the law (running the stop sign) but they didn't penalize me for it.
anyway, I've been sending all the medical bills to my health care provider. Now they tell me that because it was technically a motorvehicle accident, it's up to my car insurance provider to pay the med bills, and because I was hurt, the car insurance is going to go after the other driver, who doesn't appear at fault, so eventually my car insurance provider will blame me, and my rate is going to go up. Does that make sense? Pretty weird. I kept thinking of getting a lawyer, and that I'd have SOME leg to stand on, but I've basically given up. I was technically at fault and I don't even remember what happened. Well, the statute of limitation is two years, so I've got about 18 months to remember what happened.
I guess the moral of the story is: wear a helmet, maybe you'll remember enough to build a case.