15k for medical bills
+
generally add med bills and 3-5 x's (med bills)for pain and sufferring = 45-75k
also add lost income from not being able to work etc.
bear in mind without attorney fees and a simple process.
Taking any less than less than 60k means there was a lot of money on the table and the insurance company got it.
once you settle you release the insurance company of any and all liablilty from the incident as well.
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