I had a sleep and fall accident in January 2010 I had a spine surgery in 2012 due to my accident. The doctor gave me disability, i m only 28 years old. The defendants insurance company offered me the full policy which wasn't much. They waited 5 months before the trial date to settle this. Should I go on trial? How can I find out 100% if there is an umbrella under their policy. It's kinda suspicious the insurance company settled 5 months before trial.
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