That approach won't work.

If it did the Insurance companies would be faced the possibility of paying supplemental claims every time for the life of the policyholder or claimant.

The uncertainty would be utter chaos and the Insurance companies would proabaly be all out of business.

When they settle, they expect to be done with it forever the first time, and no going back for more bites of the apple

Not like going back into Court and asking for more alimony.

The legal settlement will have - or maybe the settlement check itself - language on it that says

"By accepting this settlement (or by cashing this check) this constitutes a full,knowing,complete and final settlement of any and all claims, now and in the future, arising from this incident"

Every settlement would have this. Possible future expenses are supposed to be taken into account when the final settlement figure is agreed upon.

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1991 560 SEC AMG, 199k <---- 300 hp 10:1 ECE euro HV ...

1995 E 420, 170k "The Red Plum" (sold)

2015 BMW 535i xdrive awd Stage 1 DINAN, 6k, <----364 hp

1967 Mercury Cougar, 49k

2013 Jaguar XF, 20k <----340 hp Supercharged, All Wheel Drive (sold)