This is a very good question, my initial thought on your case is that you should be able to recover $25,000, which appears to be the coverage available. However, most injury attorneys have seen cases where it appears obvious that a policy limits offers is forthcoming only to be surprised with a less than appropriate offer. In your situation, you have additional issues to contend with when it comes to reimbursement. Your health insurance carrier will seek reimbursement from any settlement...