Legal Question in Personal Injury in Illinois

Yes.

There is more to this than you are telling us. As long as the at-fault driver was identified, it makes no difference whether the driver had any contact with you or not.

If the at-fault driver was never identified, you have nobody to sue. You have only an under insurance claim against your own policy which means that you cannot have a trial because you cannot sue your own insurance company. The claim against your own insurance company will be resolved through one of three ways, only: 1.) Negotiation; 2.) Mediation; or 3.) Arbitration.

Is simply not possible to have any kind of a trial, with or without a jury, on an under insurance claim.

If you have two herniated lumbar disks which can be directly attributed to this accident, the settlement value which you suggest is ridiculously low. If you are misspeaking and by "herniated discs" you mean "bulging discs" or "protruding discs," the settlement may be eminently reasonable unless there is a recommendation for further surgery. Irrespective of how the damage may be classified, if you do need surgical intervention, the proposed settlement amount is ridiculously low.

I agree with the first answer... The offer is likely reasonable.

The fact that there was no contact between the two vehicle can in fact cause the jury to think that your injury are in fact partly caused by your own action.

But in the final analysis, the devil is always in the detail and we only have what you have written to go by and so this answer may in fact be wrong...

I hope this help-