Hog Law Case Results

Automobile Accident resulting in neck injury (Disc Herniations & Surgery)

Description:

A Honda SUV made an improper U-turn on a four-lane highway. At the same time, a second motorist operated a Chevrolet Tahoe (traveling at an excessive rate of speed) causing a rear end collision to the vehicle making an improper U-turn, causing him to collide with our client's vehicle, resulting in a three car collision. Afterwards, our client was diagnosed with neck injuries (C5–6 and C6–7 disc herniations) including moderate to severe compression of the exiting right C6 nerve root. Afterwards, her medical care consisting of multiple procedures for pain relief including epidural steroid injections, diagnostic median branch blocks, radiofrequency ablations; and ultimately, she had surgery including an anterior cervical discectomy with fusion at C5–6, C6–7, with anterior cervical plating, also using a bone stimulator. Investigation revealed the driver making the improper U turn had Bodily Injury liability coverage of $10,000 only. The second vehicle, traveling at an excessive rate of speed, had Bodily Injury liability insurance of $50,000 only. Our client had Underinsured Motorist coverage. The insurance companies for both at fault driver's tendered the combined policy limits of $60,000. Afterwards, we submitted the claim to the Underinsured Motorist carrier, the carrier argued our client's conditions were arthritic in nature, arguing the crash did not cause her injuries, suggesting they would retain a biomechanical expert and a radiologist to defend the claim. Ultimately, with the use of before and after photographs, medical records and imaging studies, we were able to prove her injuries were in fact caused by this crash despite the small property damage caused to her vehicle. This case illustrates the importance of seeking timely medical and legal care, also following all professional recommendations to maximize your recovery. This case also illustrates the importance of having Underinsured Motorist coverage; as, her own insurance company paid $310,000 over and above the insurance limits of the at fault drivers' to resolve this case (Total Recovery $370,000.00) and our client was pleased with the outcome.

This case also illustrates:

The importance of having Underinsured Motorist coverage; as, her own insurance company paid $310,000 over and above the insurance limits of the at fault drivers' to resolve this case (Total Recovery $370,000.00) and our client was pleased with the outcome.