My wife and 1 year old daughter hit from behind, driver under insured. 5 Minute ride to hospital, ALERT charged me $1800 ($900 + $900) even though my daughter sat on wifes lap in ambulance. Drivers insurance paid a small part, my auto insurance paid another portion, my personal insurance had a claim too, they STILL came after me personally for $200 and filed small claims summons, had to pay everything plus court costs, you're better off walking to the hospital than being in debt with these crooks. What goes around comes around hope they go under.