Sure.

So this was 20 years ago and I didn't have medical insurance, because I had been laid off and was waitressing.

Now, I would have been on my parents insurance, as I was only 23.

I was hit by a car as a pedestrian and knocked out. I briefly woke up in the ambulance, and again as they were putting staples in my head. I don't remember the MRI, CT or anything like that. I woke up the next day with a bad concussion, a tore rotator cuff and various bruises and road rash. IIRC, it was like $22k before I left the hospital.

Then I had various aftercare appointments - I had to see a neurologist a few times, I needed PT for my shoulder and vestibular therapy for my TBI. One thing I needed but did not get was therapy for what became a pretty bad case of PTSD. 20 years later, and I still don't feel comfortable driving or being in a car.

I couldn't work, because I was a waitress and you can't waitress with one arm and vertigo. There was no "lost wages" coverage, but I was super lucky - my parents were able to help me cover my bills and ended up getting an office job within a few months.

I forget how much my total bills were, but I was staring down the edge of bankruptcy at the ripe age of 23. I ended up suing my mother's insurance company, because I was covered under her umbrella policy.

So, if my parents couldn't have helped me, I would have been homeless and if they didn't have an umbrella policy - or if I had registered to vote in MA or signed a lease- I couldn't have accessed that and I would have ended up bankrupt.

The guy who hit me was broke, btw. Totally judgement proof.