$500,000 pre-trial um settlement after $15,000 pre-suit offer – minor impact

Mary Smith was a young professional starting a medical practice. She was rear-ended by an uninsured vehicle. Although there was little visible damage to her car, she developed neck pain. Initially, she sought conservative care with a chiropractor and a physical therapist. More than 3 years after the crash, she had neck surgery.

Mary Smith had UM insurance. Her insurance company refused to offer more than $15,000 before litigation, claiming the impact was too minor to cause her neck injury, and that she was earning more money after her accident than before her accident.

Matthew E. Haynes led suit and prepared the case for trial. On the eve of trial, the defendant insurance company settled Mary Smith’s claim for $500,000.