i=.5r/t, where r = rate, i = insurance, and t = time
Unfortunately, because most accident insurance settlements are kept confidential, it is impossible to know the largest settlement amount awarded in history. Settlement amounts typically vary by how much insurance one has on their vehicle, and the amount of damage done to the car and passengers.
One can get advice for assistance with accident settlement through attorneys. One can also call their insurance company for assistance with accident settlement.
A good insurance settlement means that the recipient of the settlement receives a fair amount in compensation for the event or accident. An insurance adjuster or attorney may help in getting a good insurance settlement.
After an accident, all parties involved with the accident should exchange insurance information. Typically, the insurance companies will talk to each other about repairs and cost.
As little as they can get you to accept.
Accident insurance is typically very cheap because it restricts coverage to a claim involving death resulting from an accident which has a low statistical probability. Whether or not a man is "healthy" is of no relevance for "accident insurance". There are actuarial tables available that show the chance of death by accident by age and gender. If you are asking about "accident insurance" that will replace your income if you are hurt in an accident, that is typically very cheap as well. I am certain that you can get instant online insurance quotes for "accident insurance" if you use a search engine to seach the phrase "buy accident insurance"
If your state requires that motorcycle riders wear a helmet, and you were not wearing a helmet when you had an accident, insurance companies may use that against you to reduce any settlement. If your state has no helmet law, then insurance companies are prohibited from reducing your settlement by federal law.
The settlement that an accident victim may receive depends on the severity of the injuries. Usually it is a cash settlement paid through the insurance company. These can be lump sum payments, or monthly/yearly payments for an extended period of time.
Who is at fault has to do with the accident itself not the insurance coverage. A police report of the accident and looking at the proximate cause of the accident help determine fault.
An auto accident with no bodily injury will typically get a property settlement only. In order to receive any additional settlement including pain and suffering you would need to be able to demonstrate physical trauma via documentation provided by doctors.