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Here you are, parking in the lot of a busy shopping center. All of the sudden, a car comes out of nowhere and hits not only your car but causes damage to the two cars on either side of yours. Everyone is okay, only the vehicles are damaged. You find out that the negligent driver is underinsured and that his insurance will only pay out liable damage to $5,000. The damage the driver has caused is well and beyond $5,000 for all three cars. What will happen next? Not to fear, pro-rated settlements to the rescue, offered to you on a silver platter by the negligent driver's insurance company. What if the settlement still falls short? Submit the difference to your own insurance company using your underinsured or uninsured motorist coverage; your rates should suffer very little if at all and you get the piece of mind of getting the full settlement.