Need help Understanding what We Get Paid for Auto Accident

My husband was in an accident with a car 10 days ago. It was the uninsured car driver's fault as they turned left from the right lane with no signal and cut him off on his motorcycle. He came away from it with the worst thing being a cracked metatarsal resulting in bruising and needing crutches. Witnesses' written statements put the car at fault saying the couple was seen arguing and not paying attention, even the one at fault attested to the same thing. However the faulty party didn't have insurance so we are using our collision insurance to pay for repairs.

The adjuster came and looked at
Source of insurance-forums.net

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