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QUESTION: Do I have to file a lawsuit to get the policy limits from that at-fault driver? He rear-ended me and was speeding. 3 attorneys have declined to take my case. The police report says that he was speeding and was at fault. He refuses to release his policy limits, is 24 years old, works minimum wage job, lives with parents, has a cheap car ($1,900). The attorneys said that he might have bodily injury liability of $15000 and it is not worth their time. I have little-underinsured insurance, my.