Q: What is a reasonable amount to accept for my case? I was hit on the freeway in the rear by a drunk driver with no insurance. I have UM insurance up to $50,000.
A: Under the uninsured motorist policy, you have a maximum of 50,000 you can obtain for your injuries. If the drunk driver has substantial assets, you could, of course, sue him directly. But most of the time, drunk drivers have limited assets, and so you would need to make an uninsured motorist claim.
The sum you might reasonably recover varies depending on the state you are in and the severity of your injuries. If a person knows they are facing surgery, a letter may be needed from your doctor in this regard. If the insurance company makes no movement towards settlement, under-insured motorist claims will move forward to binding arbitration, and an arbitrator will ultimately make a decision.