I was involved in a head on collision and the driver died. I have unisured motorist insurance, how much can i expect to get in my settlement

Dear Anonymous, There could be a question as to whether the vehicle owner's insurance will cover this accident.  For your uninsured coverage (UM) to come in to play would presume that there was no coverage available for the other driver. If there is coverage available to him, then you would be looking to make a claim for your own underinsured benefits (UIM), assuming the other driver is underinsured.  Your UIM benefits will not kick in until the limits of the other driver's available insurance have been paid.  You need to be very careful when dealing with insurance adjusters that you make sure you know all of the available coverage have been exhausted.  This can be tricky, and this is where an experienced personal injury attorney can be very helpful to you.  Also, an intoxicated driver could be subject to punitive damages, although these are likely not going to be covered by insurance.  I would be happy to answer any specific questions that you might have regarding your injuries and the value of your case, and what to expect going forward with the various insurance companies involved. I strongly urge you to talk to someone before you make any type of settlement with any of the insurance carriers involved. Very truly yours, Chip Clark