A few weeks ago, my mom was in an auto accident wherein another car broad-sided her through an intersection. It was raining heavily, at night, and the storms had knocked out the power to the street lights in Edmond, which I guess have no backup power. She was behind two other cars, who also did not see the street lights or that they were crossing an intersection, and proceeded through unharmed. Another vehicle, driving on the intersecting road, ran through the intersection (having to cross three lanes of road to do so) and broad-sided my mom's car, totaling it. When my mom was much younger, she had breast implants, and because her airbag deployed, she thinks that one has ruptured. She went to her doctor for a mammogram, who said she could not use her insurance, because she was in an auto accident, and her auto insurance company told her that they wouldn't cover it because, unbeknownst to her, she didn't have personal injury insurance added to her policy. I always thought that your insurance covered everything, no matter what the cause. That is definitely something the salesman doesn't tell you when he's getting you the "best deal". Does she have any recourse here? Are all her doctor bills going to have to be out of pocket?