I was involved in an auto accident, not my fault. Had broken collar bone and cracked stermun, off work for 2 months has $7,000.00 in lost wages and $22,000.00 in medical bills. Car totaled. Driver on parents insurance. The policy limit is $50,000.00. In addition to this I lost my job when I went back to work, they had lay offs. The attorney fee is 33% of this which comes to about $l5,000.00 and they are saying that if this isthe policy limitaitons this is all I can get. My Ortho doctor has informed me that the collar bone will propably not go back in place it will always protrude out. I was also told if my medical exceeded the policy limitations, then my insurance would kick in. Is this the best I can hope for? I have lost lost so much.