Policy-limits settlement before suit was filed
The situation
Our client was stopped in traffic on the Causeway approach in Mandeville when a distracted driver struck the rear of her vehicle at highway speed. She was treated at the scene and later diagnosed with a herniated cervical disc requiring months of physical therapy and an epidural injection series.
What we did
- Secured the police report, dash-camera footage from a following vehicle, and the at-fault driver’s cell-phone records through a preservation letter.
- Coordinated treatment records and billing from three providers into a single medical specials summary.
- Served a time-limited demand for the full policy limits supported by the liability evidence and a life-care estimate for future injections.
The result
The carrier tendered its full bodily-injury limits within the demand period. Medical liens were negotiated down, and the client’s net recovery was disbursed without the delay or expense of litigation.
Client identity withheld; identifying details generalized. Past results do not guarantee or predict a similar outcome in any future case.