I was in an accident 6 months ago. The other driver ran a stop sign and hit me.. he was 16 and on a cell phone.

The other driver's carrier can be forced to provide certification of coverage.  You may have the ability to get additional coverage through your own underinsured coverage but have to take certian steps to do so.  You may think that resolving the claim for the $25k with the other driver and not using an attorney gets you more money in your pocket and that may not be the case.  Not only becuase of the potential underinsured coverage but also, if the $25k policy is not enough to make you whole you don't have to pay back certian 3rd parties, i.e your health ins., your auto medical payment coverage, etc.  The other ins. won't tell you these things.  Speak with an attorney asap. 

Dear Anonymous, The teenage driver's insurance company is required to provide you with a sworn declaration of coverage which will state the limits of his policy.  To lie about that would be bad faith and open a whole new exposure to the insurance company.  However, the seriousness of your injuries suggests that your biggest battle is yet to come with your own insurance company.  There are many factors which go in to the valuation of a personal injury claim, and just because you paid premiums to your company for underinsured motorist coverage, does not mean that they will have your best interests in mind when attempting to settle your claim.  For example, if you were to settle with the other driver's insurance, without first getting a waiver of subrogation rights from your own insurance company, it could adversly impact your settlement.  Underinsured claims can be very complicated.  Your health insurance carrier may have a lien that needs to be repaid.  All of these things need to be considered when reaching a settlement.  I would strongly encourage you to discuss your case with an experienced personal injury attorney before making any attempt at settlement.  Feel free to call me for a free consultation and case evaluation.   Chip