My father was injured by a car backing up in a driveway. No contention on fault and driver's insurance company has paid all medical bills, including necessary surgery. His activity level now is less than half of what it was pre-accident and is not likely to improve because of residual pain. Not asking about specific amount, but how best to broach the subject of P&S with the insurance company? Both parents are retired (therefore no effect on earnings), but his activities are significantly reduced as a result of the accident.
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