Oh, and don't worry, it will never go to court. Insurance companies lose too much time and $$ in courts. They much prefer settlement and if that doesn't flow, it is usually resolved in facilitative mediation.
True Dat.
Based on the guys medical bills, it's likely that the cost of replacing your VX is just a drop in the bucket.
It sux that the kid lost an eye & is likely to have permanent facial scars but ... he did it to himself.