A 12-year old Brooklyn child was hit by a car while riding his scooter. He sustained a compound tibia/fibula fracture that necessitated emergency surgery. The at fault driver had only $50,000 of insurance, but the child was able to avail himself of his father’s underinsured motorist coverage even though the father lived in New Jersey and only saw the child intermittently. The settlement represented the maximum amount of all available insurance coverage and was obtained within 4 months of the accident.