Case Type: Personal Injury
Client: Adult Female (55 years old)
Recovery: $400,000
Date Resolved: February 2025
Case Overview
In the winter, at approximately 9:00 a.m., an adult female client was involved in a serious motor vehicle collision caused by a negligent tractor-trailer driver who failed to yield at a stop sign.
The impact was significant enough that the client required emergency medical services (EMS) and was transported directly to the hospital for evaluation and treatment.
Liability & Insurance Issues
Liability was accepted early in the claim. However, despite accepting fault, the insurance company refused to promptly provide the declarations page, creating unnecessary delays and complicating the claims process.
Despite these obstacles, the client continued treating consistently until she fully resolved her injuries.
Injuries & Medical Treatment
- Emergency transport via EMS
- Hospital treatment
- Ongoing medical care until full recovery
- Total medical bills escalated to approximately $284,548
Insurance Company’s Initial Position
After a comprehensive demand package was submitted:
- Medical bills: ~$284,548
- Initial settlement offer: ~$285,000
While the offer roughly matched medical expenses, it failed to adequately compensate the client for pain, suffering, and the overall impact of the collision.
Strategic Negotiation & Bad Faith Demand
Negotiations continued, but the insurance adjuster refused to move beyond $300,000, creating a clear impasse.
At that point, a Bad Faith demand was issued, outlining the carrier’s exposure and failure to fairly resolve the claim given the circumstances, damages, and accepted liability.
Case Resolution
Following the Bad Faith demand, the insurer reassessed its position and significantly increased the offer.
Final Outcome:
- ✅ Additional $100,000 secured
- ✅ Total settlement: $400,000
- ✅ Client fully recovered
- ✅ Client extremely satisfied with the outcome
Why This Outcome Matters
This case highlights several critical principles in personal injury litigation:
- Accepted liability does not guarantee fair settlement
- Delays and lack of transparency can expose insurers to bad faith claims
- Strategic escalation can dramatically change settlement value
- Immigration status does not diminish the value of a valid injury claim
The result ensured the client received meaningful compensation well beyond her medical bills and was able to move forward after full recovery.
Key Takeaway
Insurance companies may attempt to limit exposure—even in clear-liability cases involving severe injuries. Strategic advocacy and a willingness to escalate when necessary can turn a stalled negotiation into a six-figure recovery increase. Call us for a free consultation 404-2264236.