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Thank you for your answer. Obviously, walking away from an accident appearing to be just fine is far better than visible injuries or whiplash. The person I hit admitted to the insurance company that he got a phone call and quickly pulled over into the middle of 6 lanes of traffic going on average of 60+ miles per hour. This was on a phone deposition. The third vehicle in the accident saw the same thing. I was basically forced into the accident. My coverage is 100/300. Do you forsee that I have anything to worry about with regard to going over those limits and having to pay out of my own personal assets? I believe this guy is just trying to get something for being, forgive my language, "Stupid".