From what you said, it isn’t likely that insurance will cover anything other than the property damage to the sign. Make sure that you put the insurance company on notice of the incident. If his insurance includes med pay coverage, then you can submit your medical bills to them for payment. Otherwise, you are out of luck. This is why I always recommend that everyone carry their own insurance, with uninsured and underinsured motorist coverage, with the highest policy limits they can afford.
When you drive a car, you are responsible for ALL damage when you have an accident. Anything your friend's insurance does pay, they will look to you for reimbursement.
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You may be legally liable to the vehicle owner for the damage to the car. While your friend's insurance covers the car for "liability", the language of the policy is probably written in such a way that it will not cover you for liability to the vehicle's owner for the damage to the car.
On the other hand, the liability coverage should apply to a claim for the damage to the sign, I assume by the owning public entity.
If there is liability coverage only in the policy, there is nothing in the policy that will cover your medical bills. Lastly, auto insurance will not pay your traffic citation fine.
This advice you are receiving from the other attorneys responding is correct. You would appear to be on the hook. Your options will depend on the cost of repairs and what kind of money you have/earn. Be proactice and don't ignore collection efforts. A wise course would include consulting with an attorney who practices in bankruptcy/debt management in your locality.
Yes, yes, no. Call them back and try to work things out, ignoring them will only make it worse.
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