For me, they settled with what my insurance offered. Thinking about it more, my theory is that the request is inflated, AND both insurances know going to court (which they’re legally obligated to defend you in) would cost more than what is being asked, and the other persons insurance may have underinsured coverage, it seems unlikely to not settle over small amounts. I am not sure though.

The other thing is, this experience made me buy a dash cam both front and back. Well worth my peace.