Your uninsured motorist insurance will pay up to the amount you had. I was in an accident somewhat similar to you and the girl that hit me had no insurance. Luckily my agent at the time piled on the uninsured motorist coverage to 300K. I didn't know what it was for, but now I do. They didn't pay me the 300K, but I was very happy with the settlement. The Uninsured/underinsured insurance is like only a few bucks added to the policy. After going thru that, I now carry 500K, I think that's the max they go to. I'm sure your lawyer knows about this. I wish you luck in your recovery.