Auto v. Auto: Underinsured Motorist

Our 27 year old client was broad-sided by a driver that caused her vehicle to veer off the road and collide into a park bench. Her vehicle was a total loss. She sustained both neck and back injuries. visible inflammation of her hand, and bruising of her abdomen that did not dissipate for nearly two weeks after the collision.

We exhausted the at-fault party’s limits. As such, an underinsured claim was submitted to her own insurance company. Initially, her own insurance company made an extremely low offer to resolve the claim claiming that our client was young and is going to recover daily quickly. We rejected that argument and suggested we mediate the claim. At mediation, we made all the right arguments but the insurance company still did not want to pay what we believed was reasonable. Shortly after the mediation, however, the insurance company accepted our demand and we were able to resolve the claim for more than 7 times the insurance company’s initial offer.