Our young client was involved in a head-on collision. Two trucks were side by side and drag racing each other and were moving quickly in the direction of our client. One struck our client’s truck head-on.
Our client was seriously injured and airlifted from the collision scene and taken to the hospital. His medical bills totaled several hundred thousand dollars.
As things turned out, the two responsible drivers (the racing vehicles) were inadequately insured. Our client made a claim against his own insurance company under the terms of his underinsured motorist coverage (UIM). Our client’s own insurance company said our client caused the collision and refused to pay our client his $30,000.00 underinsured motorist coverage limits. After we were hired, we demanded arbitration with the insurance company and ultimately received an award in excess of $850,000.
We then filed a first party insurance bad faith lawsuit against our client’s own insurance company and during a mediation prior to trial, settled the bad faith case for an additional $2,500,000.00. The same insurance company which refused to pay our client $30,000.00 eventually paid a total of $3,347,000.00.
Of note is the fact that this settlement was obtained only after our client’s own insurance company originally denied paying the earlier referenced $30,000.00 claim.