After being injured by an uninsured driver, the uninsured policy on my own insurance stepped in and paid for the medical treatment. Now they have made an offer for settlement that includes pain and suffering as well as loss of work, etc. It is a resonable offer, yet I believe a larger setttlement could be justified. My question is: Would it be prudent to negotiate in this fashion with ones’ own insurance? Could there be reprocussions involing higher premiums? I look forward to all insightful responses.