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unisured motorist claim-other driver ran stop sign on rural road-I hit him at 55 mph, rolling my car & having it land upside down- other driver found guilty of no insurance & failing to stop at a stop sign: My injuries -neck, left side (still some soreness); shoulder - left side (still intermittent popping); brusing on legs, neck and arm(ok); cuts on my left hand (ok-no stitches); severe swelling right side of my head (ok). Medical bills almost $14,000 (mostly due to physical therapy). $2,928 in time loss (sick leave taken) - I demanded the policy limits of $50,000 & requested PIP subrogation be waived. Just received an offer of $15,000 plus my time loss. I told him that wouldn't work & he said he'd wait to hear from me or an attorney or check back with me in a month. Any suggestions?
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