In about 1984 I got hit by a punk running a red light. He couldn't run as it disabled his truck. He was uninsured, but the truck was owned by his Grandmother. She claimed he took the truck without permission, so her insurance company denied coverage. My uninsured motorist had to cover it. My insurance company sued the driver and won. They said the first $500 they collected was mine to cover the deductible. I am still waiting. The only actual result is that he won't be able to get a TN driver's license as long as that judgement is on his record. I doubt if he cares.
