GW is a retired law enforcement officer who got struck by a drunk driver. He had a long history of prior back problems from his years on the job. The crash caused significant aggravations to the injuries with several hundred thousand in medical bills. Partner Steven Terry made three claims. Investigation located the bar where the drunk driver was overserved. There was no alcohol evidence except for the blood alcohol limit of the driver. A confidential settlement was reached with the bar. The driver’s insurance paid the policy limit of $100,000.00 with GW only having to repay a small portion of the medical bills paid by his union health insurance who sought subrogation. The third level was a policy limit demand to GW’s underinsured policy since we proved he was not fully compensated by the first two settlements.