Originally Posted by macnkat
Thanks for the thoughts Ted, but adding to the medical bills will not get me anything...there is no more money. They wrote a check for the entire policy and the individual has no assets. There is no reason to think that my condition will worsen as they were broken ones and they healed. I cannot collect any further for future medical if I wanted to because there is no more to collect. Lawyers can't make money appear from nothing and he has looked under all the rocks.
Just because someone's insurance policy is capped at 100K does not mean their liability stops there. it just means their insurance won't pay it for them and THEY WILL HAVE TO PAY IT.
I would not settle for an amount less than adequate just because someone is under-insured.
Get the settlement, let their insurance pay out the 100K and let them be responsible for the remainder for the rest of their life or yours until it is paid.