The largest UM insurance payouts are usually those where the claimant has had surgery. Just look at my five biggest uninsured motorist insurance settlements. In all of them, the injured person had surgery to repair a broken bone. It's no secret that surgery cases have a higher full value for settlement purposes. And uninsured motorist bodily injury insurance cases are no exception. This is for three reasons. With surgery, the pain and suffering award is usually much higher. Also, surgery results in higher medical billed charges. Many surgeries also leave a scar, which adds value to the case.