Hog Law Case Results

Automobile Accident resulting in a neck injury, a C4-5 disc extrusion.

Description:

A 2021 Dodge Ram Truck (with trailer) ran a flashing red light causing a T-bone type collision to our client's vehicle, causing a roll-over crash and total loss. The at fault driver was charged with "Failure To Yield Right of Way." Our client suffered from injuries at the scene, was removed from her vehicle by the "jaws of life" and was transported to the nearest hospital with chief complaints of neck and back pain. Afterwards she sought chiropractic care, then a neurologist for medication therapy, and the severity of her pain required surgery, an anterior cervical discectomy and fusion at C4-5 level, Afterwards, she was diagnosed with lifetime neck and back pain, insomnia and headaches. The at fault driver had limited coverage, having combined single limits of $300,000.00, another passenger in the vehicle also suffered injuries and a separate injury claim against the at fault driver and owner of the vehicle. Additional investigation revealed our client had no Uninsured/Underinsured Motorist coverage, the at fault driver and owner had no excess liability coverage, nor did they have any assets worthy of recommending additional pursuit of claim.

The take-aways from this:

The at fault driver initially denied he ran the red light. Fortunately, we located an independent eyewitness proving our client had the right of way, also proving the at fault driver clearly ran the red light. Second, our client had much greater damages than the applicable insurance limits in the matter. This case is yet another reminder of the importance of having Uninsured Underinsured Motorist coverage, as such coverage is important to protecting yourself and your family.