Jarod, Could I possibly ask your advice regarding an auto accident I was involved in last summer? Last summer, I was hit head on by an inattentive driver. The police determined he was 100% at fault, but when the time came for his insurance to pay, it turned out he let his insurance lapse and I got stuck paying a car note for a vehicle I no longer own. I had the "uninsured motorist" rider on MY insurance, but when the Hospital that saw me found out, they placed a lien on any money I got, despite the fact my health insurance covered my emergency room/hospital bills. I don't want a million dollars, just enough to pay off the 2nd loan payment I pay every month. Any suggestions?