A retired nuclear engineer and his wife were driving through the Mojave, returning home to San Jose, when they were struck head on by a reckless young woman who was in a hurry. This single negligent act by a careless driver would change this engineer’s life from that day onward. In this horrific crash, the engineer fractured his neck, requiring that he undergo immediate, emergency surgery to prevent paralysis. But this was not the end of his nightmare, as he also suffered a complete and permanent shutdown of his bladder. This bladder condition would mean that he would have to use a catheter to urinate for the rest of his life. This man’s future retirement life was now drastically and irrevocably changed—for the worst. He called for help to The Dunnion Law Firm. The first meeting with his attorneys revealed that the man’s own underinsured motorist coverage was defective and would not cover him adequately. He was at risk that the young at-fault driver’s insufficient insurance policy would be the only source of compensation. Dunnion would not let that happen. Within days, Dunnion obtained all of the insurance limits from the at-fault driver. Dunnion then filed an action against their client’s insurance companies, claiming that their policies of insurance were defective. Experts in insurance coverage and in the medical field were hired and substantial discovery was extracted from the defense attorneys representing the carriers. The client’s own insurance company denied that their policyholder’s injuries were caused by the car crash, despite the opinions of multiple medical experts. This poor engineer was even asked by his carrier to undergo unnecessary and painful procedures to prove his case. Dunnion protected their client and refused to allow the insurance company’s bad faith conduct to cause further injury and damages to this client. After a full day of mediation, the engineer’s insurance company finally capitulated to Dunnion’s demands and offered up $900,000.00. This retiree and his wife would end up with a total gross settlement of $1,250,000 from all insurance policies. While they can never get back their life before the accident, they now have the funds to make their future a little better.