The victim was broadsided at an intersection and transported from the scene to a nearby hospital. As he had no recall at the scene, he was fortunate that the police searched for and found witnesses to contradict the other driver’s attempt to pin the blame on him. The client sustained multiple rib fractures and a sternum fracture, but because he was already 100% disabled from a back injury many years earlier, the accident did not affect his ability to earn an income. The client had a total of $100,000 available to him in insurance coverage, a combination of the adverse party’s policy and his own underinsured coverage, but his medical bills eventually exceeded that by a large margin. Fortunately, working with Medi-Cal and Medicare, the Dunnion Law Firm was able to work out a distribution of the settlement proceeds that left more than half that total in the hands of the client.