I was driving a FRIEND'S VEHICLE about 3 weeks ago carrying a friend of mine home and I hit a tree that had fallen in the road. The truck was in bankruptcy, and the insurance only covered comprehension and collision, so the truck is paid off, but now he is asking me about medical coverage. (He knocked his hip out of socket and had to have it set back in). The policy had no medical coverage whatsoever. He is 19 years old. Does he have a right to sue me (or does his mother) for medical bills when he got in the car on his own free will? Also, does it make a difference that the insurance policy was not even mine because the vehicle did not belong to me?
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Also, he doesn't have a car therefore he doesn't have his own coverage. I was not speeding or under the influence of anything, it was just impossible to not hit that tree because it was over a hill.