Wreck raises insurance questions

Wreck raises insurance questions
By: Wes Wallace
CAPE GIRARDEAU, Mo. - Last week, Anne Foust sat down to enjoy a relaxing lunch with her family at Ruby Tuesday in Cape Girardeau.   It didn't take long for her Wednesday to get wild!
"I was in shock," said Foust, "Someone said, 'There's been an accident in the parking lot,' so we all raced outside and sure enough, my car was hit."
In a bizarre accident, police say Ricky Dawson had a medical condition which caused him to lose control of his car.  He was heading west on William Street when he clipped another car, swerved across two lanes of oncoming traffic, jumped over an embankment, and hit a vehicle.  That chain reaction created caused a domino effect, with one car sliding into the next.  Anne Foust's car got caught in the middle.
"Now we find out the driver has insurance, but not enough to cover the damages,"  said Foust. "So we were not at fault, but we have to pay the deductible and out of pocket money just to replace our car.  The insurance company totaled it earlier this week."
Ricky Dawson is insured in Illinois.  State law there requires drivers to have a minimum of $15,000 for property damage.  Missouri only requires $10,000.
Dawson was not charged in the accident, because police say a medical condition caused him to lose control of his car.  In cases like this, Cape Girardeau police say they do report it to the each state Department of Motor Vehicles and recommend the driver be re-tested.  Of course, it's up to the state to make sure that happens.