U-what?

Picture it:  you’re driving home from a long day at work. You reach an intersection with a green light. But, you’re t-boned by someone that runs the red light while on their cell phone. You have suffered some very severe injuries. You must be extracted from your car by the fire department. You’re flown by helicopter to the nearest trauma left and spend a month in the hospital. Your medical bills when you’re released are more than $150,000. You also have a permanent injury and can’t return to your old job or way of life.