I had a pre-existing neck condition before the accident affecting my right side that I was maintaining fairly well. The accident caused futrther damage now causing new and more intense pain on the left side. The UIM originally offered 4k then I had an orthopedic surgeon and a neurosurgeon suggest fusion surgery to relieve pain. I collected documentation on the surgery alone that may cost up to 94k. My UIM policy has a 100k limit. What is a reasonable amount to expect the UIM carrier to offer? I am at day 28 after attorney submitted demand for policy limits. I believe they have 60 days to respond. Both at fault and UIM are State Farm. Just wondering what a resonable offer would be. thanks
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