I know some of you LGKers work on the Police force, in the legal system, etc... so I'm throwing this out for some advice.
Yesterday, my wife stopped for lunch and was parked in a parking lot. She went to the back of her car, opened her trunk and was moving stuff into her luggage for a flight later in the day. As she was standing there, a car rolled into her and trapped her between her car and the other car. This car was parked without a parking brake, rolled out of its spot and hit my wife. She's deaf, so she didn't hear it coming from behind to get out of the way.
A few bystanders helped to push the car back, an ambulance came and took her to the ER at Cedars Sinai. X-rays were fine, but she has to use crutches as her left leg is severely bruised/swollen (this leg took the full force of the car). And she's on vicodin for the pain.
My ER co-pay is $100, plus any fees that went to my Insurance for the ER visit and the Ambulance ride. I don't think this would be classified as a "car accident", even though someone else's car hit my wife and kept her trapped between the two cars for several minutes.
The police arrived on scene and took a police report. My wife never met the owner of the car that hit her in the 45 minutes she was there, but she suspected it was a lady that was walking nervously around during that time. I believe the Police Report has this woman's contact/insurance information.
Do I do anything at this point? I don't think this would go through my Car Insurance, since our car was not damaged. I've never had experience with this type of injury being caused by someone else. Do I need to notify my Health Insurance company about what happened, and have them go after the woman's Insurance to be paid? Or let it be, since my insurance is decent and should cover all the costs.
The Police Report should be ready to provide to Insurance in about 4 weeks...
Not sure how this stuff works, any advice is greatly appreciated.