… A 64-year-old traveling salesman was driving home from an appointment when an on-coming truck suddenly crossed into his lane, hitting his vehicle head on. Trapped in the car, he had to be extricated. The impact fractured his right tibial plateau, which is part of the knee joint. He was spared surgery, but was unable to work for several months. He faces the possibility of a total knee replacement down the road. The other driver’s insurance company and his own underinsured motorist company settled his claims for the policy limits. A reasonable amount of the liability settlement was allocated to his wife’s claim. That way, his employer’s workers compensation insurer only got reimbursed for its medical payments from his share of the settlement, not his wife’s share.
