What do you think the pain and suffering are for ..?

One person who has broken ribs from an auto accident of running red light. And another from broken collarbone in 4 places. Might need surgery. Head laceration w/ 4 staples. 2nd person also had concussion. Both were very painful and had other pain such as back, neck arms. The medical for person 1 is ER 14,000 & ER for 2nd person was about7,000. Ortho and General practioner bills still haven't been billed. The at fault driver didn't have a driver's license but the vehicle was insured with 20/40/15 liability limits. Our policy has underinsured also of 20/40/15 we did not have med pay or pip on our policy. What do you think will happen. There was one witness in our favor. Witness was at red light waiting for green light when other driver ran red light and hit us. Thanks. This happened in TX.