I was in a rollover hit and run. I am a 100% disabled veteran with a prosthetic leg. My VA doctors have assigned a permanent back injury that was pre existing but was worsened with the injury. My um limit is 100/300 and the company has offered me $20.000. I countered at $73,000 and am waiting to hear back from them. Do I have to write a demand letter or should I just wait to hear from them. The accident happened 10 months ago