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There is no “rule” that an insurance company has to pay you a multiple of your medical bills as damages. In fact, many insurance carriers will typically offer claimants LESS than their medical bills alone.
Even after being a loyal customer paying premiums on time, accident victims rarely find their insurer to be as generous as they would believe.
So you’re severely hurt, and it’s clearly because of someone else’s negligence. You can’t work at all, and it’ll be months before you can start again.
But, your personal injury lawyer tells you it’s still likely going to be months before you recover compensation for your injuries.