How much would you settle this claim for assuming coverage was 100K?

Driver A (your insured) ran a stop sign at 7:45pm and hit driver B in the center of the vehicle and flipping the car (totaling the car). Driver A fled the scene, abandoned the vehicle and hid in a nearby field. Search dogs retrieved her 2 hrs later. At this time, Driver A submitted to a PBT and blew a .16 (twice the legal limit). Driver A was arrested for DUI and felony hit and run.
Driver B was taken to the hospital via ambulance, treated and released. Driver B ended up with Soft tissue damage and Nerve Damage in 3 places between the neck and shoulder. Driver B missed 3 weeks of work and then was on light duty for another month. Driver B’s husband had to miss work in order to care for Driver B’s small children. Driver B’s total medical bills for ER, MRI, Orthopedist, and 2 months of PT were 8k. Lost wages were 3k. Driver B took almost 1 yr. for recovery (as good as it’s going to get).
Driver A plead guilty to all charges.
Under state law, this case meets the requirements for Driver B to be awarded punitive damages.

This question is for informational purposes only! Please do not say hire an Attorney! Solely seeking qualified OPINIONS!

Thanks!!!!!