I have a personal injury case from a car accident that happened 2 years ago in May. Unfortunately for me the person who rear ended me has the same insurance I do and I tried for over a year and a half to get a settlement. He only had $20K in liability and I had over $40K in medical bills. So I had to turn to my Underinsured Motorist policy. Having to sue my own insurance company for compensation from my own policy has been a nightmare. I eventually hired an attorney and the case is set to go to arbitration. It's a very frustrating process.