Fixed Wing,

You are correct, you certainly know the subject well, hopefully not from past personal experience! Property damage is very different than a death claim, and not enough peoples limits are high enough to cover a claim of this magnitude. The only clear solution I see, which has been mentioned, is that the owner pay a higher premium covering any underinsured problems. But the company would still subrogate, so I don't know. This is a tough one, I just hope the guy that hit him, was in a company truck, on company time, that way their insurance can cover it, and hopefully the guy gets a slap on the wrist. I would like to know more on the driver, Nick you may know, seeing as how you live there and already have a bit of solid info. Oh yeah not to mention you seem to know everything JK