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Don't call it an accident. It isn't. When they ram into the rear of your car, t-bone you while blowing off a stop sign or traffic light, or simply just valued that incoming text more than your life, we can help. Remember: their insurance company isn't going to magically pay your medical bills and they will do all they can to save a buck at your expense and make your life miserable.
If your HOA neglects the common areas, if manholes are left uncovered, if a wet floor is left with no warning, if there is an hidden obstacle that you weren't warned about.....it is not your fault. The resulting hospital bills shouldn't be your responsibility if caused by the fault of another.
Hey, sometimes, S@^% happens.
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