01 · The Difficult Moment
Pain and Financial Pressure Changed Her Role at Work and Home
The client suffered a concussion and lumbar herniated discs. Debilitating headaches and back symptoms forced her to work part time, and she lost opportunities for advancement.
At home, her husband took on more responsibilities. She worried about whether she would recover and felt she could not be as present with her daughter.
02 · The Insurer’s Position
The Insurer Pointed to an Earlier Back Injury
The client had injured the same area of her lower back in another crash two years earlier. The insurance company relied on that history when making low offers.
The issue was not whether the earlier injury existed. The question was what the new crash had aggravated or changed.
03 · The Turning Point
The Firm Obtained the Earlier Records and Connected the Two Medical Histories
The firm gathered the current medical records and bills and asked the client to describe, in her own words, how the crash had affected her daily life. Those details became part of the demand.
After the low offer, the firm obtained the prior records from the law firm that had handled the earlier crash. The legal team used those records with medical literature and case law to explain how the new collision had aggravated the client’s condition.
04 · The Outcome
The Insurer Offered the Full $100,000 Policy Limit
The claim resolved for the full $100,000 policy limit without filing a lawsuit. The client could repair her vehicle, pay for future medical care if her pain returned, and feel more financially secure.
She felt relieved and grateful to have one less thing to worry about.