Here it is:
Me and my mom were on our way to our friends' house in Virginia yesterday afternoon. We got about a mile from the house and we were coming up on an intersection (the turn-off from the opposite direction is more like a fork in the road). Anyway I'm driving the speed limit and see a schoolbus oncoming and when I'm about two car lengths from the turn off, a Toyota Four-runner comes right out from behind the bus and goes for the left turn. I slam the brakes and cut a bit to the right, aiming for a grass field (hoping he'd see us and turn back or at least hit the brakes). He doesn't. My side of the car slams into the front of his car. He had to be going at least 35 and we couldn't have been going less than about 45 and hit basically head on. Luckily I was driving my mom's car, a Volvo, and the airbags deployed and saved us. As soon as the impact is over I look up and see the other guy talking on his phone (a couple seconds after impact). My mom is gasping for breath and I notice blood on my airbag and am disoriented. The other man walks away and me and my mom are pulled from the car on stretchers and neck braces are put on. The man did not say a word to us or even come see if we were alright, he was on the phone. When the ambulance shows up, he then complains of chest pains and he goes to the hospital first.
Outcome: I have airbag-burns on my face, a cut up nose, a busted lip, 4 stitches in my left knee, numberous scrapes on my forearms from the airbag, a knot on my head that was bleeding, and a dark bruise from the seat belt. My mom has bruised ribs, a broken toe (pins are necessary), and her legs are one big bruise. Oh yeah and a 99 Volvo S70 totalled.
First of this week we're having chats with our lawyer, and both insurance companies.