Cash settlement prior to suit. Plaintiff and his seven (7) year old son were struck from behind by a woman who was driving under the influence of alcohol. This was her 2nd offense in the past three years. Son had a $660 emergency room bill and father suffered soft tissue neck and back injuries and had $2,500 in medical expenses. The policy limits where $25,000 per person and the case was settled for $22,500 each.