Everything seemed so straight forward. The other driver ran a stop sign
and slammed into their car causing enough damage to total the couple’s
Toyota 4Runner. The policy report confirmed the other person ran the stop
sign. The auto insurance should just pay them for their injuries, right.
Unfortunately, the insurance company had different ideas. The couple were
in their 70's and the insurance company thought they could save a
few dollars by blaming the injuries on prior conditions and normal degeneration
that everyone in their 70's is bound to have. She had fractured toes,
they said "it’s just your toes." He thought he had a fractured
finger, but the insurance company pointed out that the doctor said it
"might" be broken so they would not consider it.
After 8 months trying to handle the matter themselves, they turned to The
Dunnion Law Firm. The records were collected, the couple was sent to an
orthopedic doctor to make sure there was nothing more severe wrong, and
then a demand was sent to the insurance company. The insurance company
kept playing games and a lawsuit was filed immediately. When the litigation
adjuster first saw the file, she called begging The Dunnion Law Firm to
take a policy limits settlement.
Luckily for the couple, they had a large underinsured motorist policy so
they will get the compensation they deserve even though the negligent
young girl that caused the accident did not have sufficient limits.
The moral of this story is first, make sure you carry underinsured motorist
coverage to protect yourself, and second, don’t let those insurance
companies push you around. Call The Dunnion Law Firm.