$212,000 for Client Through Uninsured Motorist Policy
When our client first contacted The Champion Firm, the statute of limitations on her car accident case was close to expiring. The at-fault driver’s insurance had paid its policy limits of $25,000, which did not come close to covering her damages. The client was already aware that she could pursue damages from her own insurance policy’s uninsured motorist coverage, but her insurance company was not cooperating.
While the driver who hit her had only been carrying $25,000 in liability coverage, the client’s uninsured motorist coverage had a limit of $250,000. This insurance could pay for her medical bills and other damages. However, the insurance company initially offered only $50,000 in compensation.
In addition to the shortened timeline, due to the impending statute of limitations, this case also presented another challenge: causation. The impact of the accident was moderate. It was not a minor fender-bender, but it was also not a major collision. There was a one-week delay before the client received medical treatment, and she had some gaps in treatment thereafter. Based on these delays and gaps, the insurance company attempted to argue that the accident had not actually caused her injuries.
Recognizing that the insurance company was unwilling to offer a reasonable settlement amount, the firm filed a lawsuit on behalf of the client.
Through diligent work — and by showing that they were willing to take the case all the way to court — The Champion Firm team got the insurance company to settle at a reasonable amount. In the end, the insurance company agreed to settle at $212,500 in compensation.