Maybe there won't be charges, but I'll bet her insurance and not Roethlisberger's will be paying for all that expensive hospital care.
I think this is a pretty interesting post and I thank the author for going to the trouble to write it.
Unfortunately, I doubt that the lady's insurance will be sufficient to pay for the surgery. I haven't looked at my policy lately but I would think this surgery is likely to be in the six figure plus range and few liability policies have limits that high.
As a practical matter, I'm sure Ben's medical insurance is going to pay for this and then they will subrogate the claim (i.e. try to collect from the lady's insurance).
He was certainly not lacking for top-flight medical care. Unfortunately the motorcyclists among us are highly unlikely to be that lucky if they get in a similar accident.
D