A Monterey County woman was struck by a driver who ran a stop sign. The impact included such force that she was thrown against her seat belt and steering wheel, rupturing one of her breast implants.
The woman quickly discovered that her own health insurance company did not want to cover the reconstruction surgery, and she would be responsible for the entire cost, so she turned to The Dunnion Law Firm for help.
The at-fault driver had a small insurance policy that was offered immediately after a demand was sent. The woman’s own insurance included underinsured motorist coverage which is designed to cover a person’s damages when the at fault party does not have enough insurance. The woman’s own insurance, however, denied the claim saying there was no proof the injury was caused in the accident.
The Dunnion Law Firm did not stand for this wrongful denial of the claim and demanded arbitration as required by the policy, threatening the carrier for acting in bad faith because of their wrongful denial. Once the insurance company’s attorneys saw the demand for arbitration and considered the exposure for bad faith on the part of the insurance carrier, the policy limit was immediately offered.
After getting these settlements offered, The Dunnion Law Firm continued to work for the woman and made sure the health insurance carriers paid for the treatment and then negotiated with her health insurance carriers to reduce the amount they were demanding for reimbursement out of the settlement by more than 55%.