Below are personal injury settlements that were paid by uninsured motorist (“UM”) insurers and underinsured motorist (“UIM”) insurers. The careless driver didn’t have BI liability insurance, or didn’t have enough BI insurance.
Pedestrian’s UIM Insurer Pays $100,000 of $325,000 Settlement After Uninsured Car Hits Him
A federal government employee was driving a car in Miami, Florida. He hit a pedestrian, who fractured his lower leg bone (tibia).
I argued that the government car was “uninsured” since the federal government is self-insured.
The pedestrian’s underinsured motorist (“UIM”) insurer, Ace Insurance Company, paid its $100,000 limits. The federal government and the employee’s rental car insurer paid a combined $225,000.
The total settlement against all parties was for $325,000.
Passenger’s UM Insurer and Driver’s UM Insurer Pays $130,000 for Shoulder Injury
A passenger was in a car on a highway in Bonifay, Florida. An uninsured car hit them.
Nationwide paid the host car’s $100,000 UM limits, and $30,000 of the passenger’s UM policy. The host car’s Medpay coverage paid $8,433 of her medical bills.
Pedestrian’s UM Insurer Pays $100,000 After Underinsured Car Hits Her for Face Fracture
A pedestrian was hit by a car in Homestead, Miami-Dade County, Florida. She had fractures in face, resulting in surgery.
Imperial Fire & Casualty Insurance (RAC partners) insured the driver with $10,000 BI limits. They paid the $10,000 limits.
The pedestrian was a named insured on a car insurance policy with $100,000 in UM coverage with Progressive. Progressive paid the $100,000 UIM insurance limits.
UM Insurer Pays $10,000 of $210,000 Settlement for Truck Crash
Bob (not real name) was driving a truck for work. The front of his truck smashed into the back of a truck that Mike was driving for work.
Mike hurt his shoulder. Bob’s employer, a trucking company, had a $2 Million dollar BI policy with a $250,000 self-insured retention.
We argued that the trucking company was “uninsured” under Florida law, since the trucking company had a self-insured retention.
Mike had a $10,000 of Progressive UM insurance on his personal car. Even though Mike was driving a work vehicle, Mike’s Progressive Insurance paid the truck driver its $10,000 UM limits.
Driver’s UM Insurer Pays $47,000 of $57,000 Settlement for Back Injury
A police officer suffered back injury, while he was on duty, when he was rear ended in a car accident in Medley, Miami-Dade County, Florida.
The driver who caused the accident received a ticket for following too closely. We received the policy limits of $10,000 from the at fault party’s insurance company, State Farm.
My client suffered a bulging disc and was a candidate for back surgery (lumbar laminectomy). He had epidural shots to his lower back.
Travelers Insurance insured the police officer’s personal car with uninsured motorist insurance. Even though he was working at the time of the accident, Travelers UIM paid $47,000 to settle the case.
Since the cop was working at the time of the crash, workers compensation for the police department paid over $17,000 in indemnity (lost wages) and medical benefits.
Bicyclist’s UIM Insurer Pays $42,500 of $52,000 Settlement for Back Injury
A bicyclist was riding his bike in Miami-Dade County, Florida. A car cut him off and they crashed.
The bike rider claimed that he suffered a herniated disc and compression fracture in his spine. The car had $10,000 in BI insurance. The car’s insurer paid its $10,000 limits.
USAA insured the bicyclist’s car with UIM insurance. USAA paid $42,500 to settle.
UIM Insurer Pays $19,000 of $39,000 Settlement for Back and Neck Injury from Truck Accident
Eric (not real name), a man in his 30’s, was diagnosed with a herniated disc in his lower back following an auto accident. The damage to his pickup truck is below.
The crash happened in Pinecrest, Miami-Dade County, Florida. Before this crash, he received years of chiropractic treatment on the same levels in his lower back that he claimed were injured in this accident.
He had epidurals to his lower back after this accident. GEICO insured the negligent driver with $20,000 of bodily injury (BI) liability coverage.
GEICO paid its $20,000 limits. My client had UIM insurance coverage with Star & Shield Casualty (NARS).
North American Risk Services (NARS) handled the claim for Star & Shield.
NARS paid $19,000 to settle his personal injury claim. The total settlement was $39,000.
Settlement Date: March 2014.
Driver Hit By Uninsured Driver Gets $30,000 for Herniated Disc
A passenger settled her case for $30,000 with GEICO. She claimed that a rear end crash caused her herniated disc.
The accident happened in Miami, Florida.
Passenger Hit By Uninsured Driver Gets $25,000 for Injuries
See a case where a passenger was rear ended by an uninsured driver. The crash happened in Key Largo, Florida.
He got $25,000. He claimed a herniated disc, shoulder labrum tear, finger and knee injury. We represented him.
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