Cash settlement prior to suit. Plaintiff was a female college student involved in a car wreck. She had prior ACL knee injury, but had substantially recovered from that injury until she was involved in this car wreck. She underwent an ACL reconstruction and partial lateral meniscectomy. Plaintiff had $27,764 in medical expenses and was able to recover under four separate “stacked” uninsured motorist policies of $25,000 each on her parents vehicles.