Quote Originally Posted by CO Hugh View Post
As stated earlier, get an attorney, but remember while the insurance companies are paying, the suit/claim is against the driver. Most insurance companies won't settle a case without releasing the driver, but if you are beyond policy limits, a judgment against him may make his life hell some day.

That is what uninsured coverage is for. I have a friend that also put UM on his umbrella and it paid off.
I buy the largest coverage they will sell me including the $25k medical that you have to write in to get that was mandatory before the law changed, and yes uninsured motorist. I wish i could buy $250k medical on the auto insurance.