VJ was a passenger in a car hit head on by a drunk driver. The drunk had minimal insurance and VJ did not own a car with his own insurance. He suffered a facial fracture and needed hip surgery. Unfortunately, all people in the car were severely injured (one who died) and had to share the policy limits of the drunk’s insurance and the underinsured policy from the car they were in. Four attorneys agreed to a binding arbitration and a hearing were conducted by a sole arbitrator with VJ receiving fair compensation for his injuries. The agreement to arbitrate saved thousands of dollars in costs and two years of litigation.