i already ask this question before but did not explain enough,i fell n broke my leg when i stepped from my porch,i broke both bones an had to have surgery an a plate installed,havent been able to work for 9 months,i am on my way to healing an no longer visit doc,ive been negotiating a settlement with the property owners ins co.,i recieved a letter telling me that they dont see no negligence by the property owner,wich i have some evidence,that there is,the letter went on to say that they have med ins.that covers up to 5000.00,an that is wat they are offering me for a settlement to avoid litigation,my question is ,is being how they are offering a settlement are they admitting guilt of negligence,an do ya think that its just an offer up for negotiation,or is there such a thing as med coverage,need advise on wat to do in pa thank you