Imagine driving to work Monday morning, well rested from a long three-day weekend and ready to have a productive week in the office. Your plan took an unexpected turn when another driver decided it was more important to send a text rather than pay attention to the road. Now you are facing high medical bills for your broken nose, dislocated shoulder and various other injuries. In addition, your doctor will not release you to return to work for another two weeks and your car is totaled. The other driver's insurance company called and offered you a settlement that will not even cover a quarter of your expenses.