I was stop at traffic light, rear ended by an unlicensed uninsured driver (not owner) and pushed into front car. Speed about 45-55mph. Wife and 1 yr child in the car. Child is fine. Wife and I had headaches and sore necks for 1 month. I still have occasional localized headaches, Dr said nothing to be worried. prescribed med, which i cant take as i watch our child. Driver was under 21, licenses suspended 1 month prior for DUI (by BAC). I suspected the kid driver and owner was under the influence of marijuana, they and the car reeked. Called police but they did not want to come. owner's car insurance has admitted 100% liability. Insurance is using only my car damages as a limit to settle, shouldnt it be all 3 car total damages and do i have aggravating circumstance?
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