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My wife was turning left across traffic. She waited for the oncoming lanes to clear. The motorcyclist had turned one block away, accelerated at an extreme rate, and hit the passenger side of her car. She never saw him. Our insurance company investigated and found no negligence on my wife's part, and are denying the deceased's estate's claim. They tell me that if the they bring forth a "theory of liability" that they may be able to file a lawsuit asking for more than our policy covers. The police report makes it fairly clear that the motorcyclist was driving recklessly, very fast, and tested positive for drugs. My wife has been through an ordeal and we don't have extra money, but want to find out what our best course of action is.
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