Last year we were rear-ended by someone who had no insurance and our car was totaled. My husband and I were taken to the emergency room and I ended up staying for 5 days. Although the owner of the SUV had no insurance, AIG decided it was my husband's fault and paid for the uninsured person's hospital costs and even fixed his SUV. We got our medical partially paid, that was all. We are out approximately $28,000 for medical, plus a vehicle that was totaled.