I had an accident, I had an accident, where both car were totaled, and the person in the other car had to go to hospital. Recently, bill was sent showing 20K not including other Pain and suffering and other that comes later. My insurance only covers upto 25K, For sure over the amount I will not be able to pay even with the settlement. I did little research on how much would the total settlement amount would come up, I am assuming time 3 to 5 which is written there. So, in these kind of situation, what would one do. If any people have been through or know someone who would guide/suggest. Please let me know. DImag kharab bhayi ra cha.. Nindra pani lagdaina hau.. Please need some recommendation/suggestion/advice.