The plaintiff was a passenger in a vehicle traveling on a dirt road. The driver asked the plaintiff to take the wheel while he looked for his cell phone. Vehicle left the roadway and went down an incline. The plaintiff's right hand went out the window as a result of the bouncing vehicle. His hand struck a tree which caused a degloving injury of the right hand. The plaintiff lost his index finger as a result and has limited use of his thumb. They settled with the liability carrier for $100,000.00, and the UIM carrier for policy limits of $250,000.00. The case had been rejected on liability by other local personal injury firms.