I lived in the Travis Oaks condos on Post Rd by Otlorf @ S. Congress for two years. I know the exact hill you speak of extremely well, and I understand exactly how you could be driving the speed limit and suddenly encounter an obstacle without having sufficient time to come to a full stop. Absolutely insane that someone would be pulling that kind of stunt in that location as well
In Texas it is an absolute necessity to have uninsured motorist coverage. If the person doesn't have a license, cops get called (or they're handing me serious cold hard cash).
Good luck with your situation.