A homeless unemployed truck driver who’s motorcycle operator license had been suspended was riding an early 2000 Kawasaki ZRX 1200 motorcycle in rural Madera County. As he approached an Avenue 17 intersection he observed a large SUV approaching. He thought the SUV would stop at the limit line; it did not. He swerved the motorcycle but struck the front of the SUV injuring his shoulder. He obtained emergency medical treatment and made a claim to his insurance carrier who advised him that because the SUV was insured they would not help him. Frustrated and facing a $26,000.00 hospital bill he called The Dunnion Law Firm. The attorney immediately determined that the motorcyclist had coverage of only $15,000.00 and that was only to pay claims against him. It was then determined that the SUV had a policy limit of liability insurance for claims against the SUV driver in the amount of $100,000.00 . The Dunnion Law Firm attorney made a case for comparative negligence under California Civil law and the California Vehicle Code. The insurance company for the SUV driver reluctantly paid the unlicensed motorcyclist its full policy limit of $100,000. A sum which paid all medical bills including the hospital lienand resulted in a positive net settlement for the victim.