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appropriate insurance amount

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  • appropriate insurance amount

    Dear sirs,

    I was not at fault (documented) but have sustained an injury to my foot as a result of another driver moving into my lane. I have heard that there is a "pain and suffering formula" which is 3x the amount of insurance costs. Does that mean 3x the amount out of my pocket or 3x the total that my insurance and I have paid (I have not asked for anything from other driver's insurance co. though they would pay bills if I want).

    Thank you for your clarification.
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