<prompt> Human: My friend borrowed my motorcycle to run to the shop like hed done a hundred times before, but five hours later he wasnt back and when I called his brother picked up the phone. Said he was in the hospital with a collapsed lung, broken ribs, wrist, ankle.He claimed it was the other persons fault, said they made an abrupt lane change but I finally recovered the gopro footage and its pretty clear he was going too fast, locked up the rear and slammed into the back of the car.Luckily the damage to the car didnt look too bad we still dont have a line on the other driver, waiting on the police report, but he is messed up. Between the ambulance ride, 5 days at the hospital, and surgery Im really worried about his financial well-being.What are his options moving forward if hes determined to be at-fault? Hes a full time student, makes 14hr. If they hit him with 50k in medical hes done. No chance, in debt for the rest of his time as a young adult. My insurance is covering my motorcycle and likely the damage to the other vehicle. Fingers crossed the driver wasnt injured given the footage, I dont see how they could be.  <response>: Get a claim filed on your auto policy asap. If he has his own insurance for his vehicle, a claim needs to be submitted as well, even if your bike is not listed on the policy.If a claim is not submitted and it is determined that he is at fault, both of you will be pursued for damagesinjuries to the other parties 