Dunnion’s client was stopped in traffic when he was rear ended by another driver. His 11-year-ole Xterra was declared a total loss. The client sustained a back strain which made it virtually impossible for him to continue in his job managing a convenience store chain. However, as he has previously undergone two serious back injuries, both resulting in back surgery, the defending insurance companies questioned whether his current losses were really caused by the motor vehicle accident. The adverse driver’s carrier nevertheless quickly paid its $25,000 policy limits. The client’s own carrier, with $75,000 underinsured motorist limits on the line, insisted on fully litigating the claim. Dunnion never backed down. Finally, with only the statutory binding arbitration left to be done, the client’s carrier offered the remaining limits of the client’s policy minus the costs of the arbitration for a total package to Dunnion’s client of $100,000.