DISCLAIMER: The above results are specific to the facts and legal circumstances of each of the above clients' cases and should not be used to form an expectation that the same results could be obtained for other clients in similar matters without reference to the specific factual and legal circumstances of each client’s case.
In this case, our client was struck from behind by a careless driver. Our client had been disabled by pre-existing low back problems for a decade or more prior to the accident but the accident nevertheless aggravated those problems. Worse, the accident resulted in a neck injury which required surgery. Our client underwent a cervical discectomy and fusion of C5-6. Our client had about as good a recovery as could be expected following an injury and surgery of this nature but still was left with permanent impairment.
Prior to our involvement, our client's insurance company had offered him nothing from his under-insured motorist benefits. We presented the claim for evaluation by our client's insurance carrier for under-insured motorist benefits (if you don't know what under-insured motorist benefits are, please order our The Ultimate Guide to Car Accident Cases in Pennsylvania: A Roadmap to Justice.). The insurance company's first evaluation was $125,000 which resulted in an offer of $25,000 (the negligent driver had $100,000 in underlying coverage). We rejected the offer and kept pushing the case. By the time we were done, the insurance company had increased their evaluation to $260,000 and an offer of $160,000, an increase of over 600% above the initial offer.
We're pleased with the outcome for our client. But it is depressingly predictable that insurance companies will routinely try to "low ball" injured people, even when those injured people are their own insureds. Cases like this one speak to why injured people need help from experienced personal injury lawyers when dealing with big insurance companies.
The case also speaks to the importance of insurance. We're frequently critical of insurance companies but we also recognize the value of the role they play in protecting families from the consequences of injury. If our client had not had adequate coverage we never could have obtained this result for him. So, if you don't know what your coverage is or don't know how much you should have, please order our free, no obligation book, "The Ultimate Guide to Car Accident Cases in Pennsylvania: A Roadmap to Justice." We include a whole chapter on auto insurance and the coverages we suggest.