It was an ordinary day when our client pulled up to an intersection. He stopped, then began a left turn when another driver blew through a stop sign and t-boned his car.
Our Client’s Injuries
Immediately after the collision, our client was taken to the emergency room. In the weeks and months that followed, he continued to suffer from upper back and neck pain which required follow-up treatment with his family physician and a pain specialist.
He endured three epidural steroid injections, each of which was painful and none of which significantly improved his pain. Additionally, our client completed many physical therapy sessions.
His formal diagnosis was a non-surgical bulging disc. His doctor told him he would have to live with the pain. He was in his late 30s at the time of the crash.
Liability Coverage Wasn’t Enough Compensation
The Law Office of Matthew A. Lathrop recovered the policy limit of $25,000 from the at-fault driver’s liability policy. However, that was not enough to compensate our client for all of his pain.
Accordingly, Matthew sought a fair recovery from our client’s own underinsured motorist coverage. Our client’s own insurance company maintained that our client got enough from the liability insurance company and offered a settlement of less than $10,000.
Matthew sued the underinsured motorist insurance company for the policy limit of $100,000. He conducted extensive discovery and met with the client’s physician, people who witnessed the crash, and people who knew our client before and after the accident. By talking to the people who knew our client best and could explain how the accident and chronic pain impacted his life, Matthew was able to settle the claim with the underinsured motorist coverage insurer for $90,000. That brought our client’s coverage to a total of $115,000.