October '95 I was a passenger in a friends vehicle when he failed to make a turn. Although we were traveling at a low speed (under 25MPH) there was no road on the other side of the road he was to turn onto, just a drop into a dry canal. The result was minor injuries for my friend, major damage to his vehicle and a shattered pelvis from my femur being driven through the hip socket, along with a fractured spine. The hip eventually required replacement surgery to allow me to walk again but due to the spine injury I have been unable to return to work and am now on SSD. Most likely I will never be able to return to work. AT age 55 I am now reduced to an Income that is less than 1/3 of my working income. My friends auto insurance has sent me letters offering me $100,000. which they claim is the max value of his policy for individual claims. They also inform me that my HMO that paid for all of the injury claims from the accident and the hip replacement has a lien on any settlement that I accept. This lien is in the area of $85.000. which leaves me with very little compensation for my loss. I'm of a mind to just let the settlement go rather than letting the HMO which I have been paying for for years recoup any of their expenses even if it means I will be bankrupt a few months earlier than I would be if I accept the offer. Any comments or advice that could change my situation?