Plaintiffs, husband, and wife, were enjoying a drive-in St. Charles when a drunk driver ran a red light and crashed into them. The defendant was charged with his third DUI, he pleaded guilty, and State Farm defended the case for almost 3 years. After taking the drunk driver's deposition and filing a motion for punitive damages, State Farm offered the full policy limits to both Plaintiffs ($100,000.00 each) for a total of $200,000.00.