You're driving home on the Long Island Expressway after a long shift when a rented SUV drifts across two lanes and slams into the driver's side of your car. You wake up in the trauma bay with a shattered femur, a crushed tibial plateau, and a surgeon explaining that you'll need an external fixator, an intramedullary nail, and months of physical therapy. The at-fault driver had a minimum-limits insurance policy. The rental contract on the seat next to the airbag shows a nation