What do you do when you’re sick? Likely, you take a day off from work, curl into bed and wait for morning when you know you’ll feel better. But what would you do if you were really sick? If you were unable to work for weeks or months at a time? If you fell behind on your bills because you simply couldn’t do your job?
That’s what happened to our client, Andy.
Andy was a federal agent on her way home after a typical day at work when she was involved in a serious accident. As Andy passed through an intersection, she was hit by another driver. She suffered a severe head injury and was taken directly to the hospital.
When Fault Is Unclear
Andy claimed she had a green light, but the other driver also claimed that she had a green light. There was no red light camera available, and no eyewitnesses stepped forward to give their account of the collision. When Andy came to us, she was extremely worried. In addition to needing medical treatment for her head injury, she wasn't sure how she was going to be able to return to her job as a federal agent.
Our first step was to get Andy the medical treatment she needed. We knew Andy would never recover unless she had aggressive treatment, so we started her with a neuropsychologist we trusted. The neuropsychologist diagnosed her with a traumatic brain injury. The injury affected her cognitive and motor functions, so much that she was unable to operate a motor vehicle. We were also able to get her into traumatic brain injury treatment.
Read more about Compensation for Traumatic Brain Injuries
Luckily, given that she was on the job at the time of the collision, her medical bills were covered under worker’s compensation, as was some compensation for her lost wages. What we didn’t like was that not all of Andy's missed work days were covered (typically, worker’s compensation doesn’t cover 100 percent of lost wages).
We knew the only way to ensure Andy was fully compensated for this serious, life-changing injury was to go after the truck driver and their insurance company. With the Anderson Law Firm team on our side, we successfully constructed Andy's case and convinced the insurance company that the wreck was indeed the truck driver’s fault. The at-fault driver had $100,000 in policy limits – and we recovered that full $100,000 for Andy.
But we weren’t quite done. Andy suffered as a result of this wreck, and she deserved full compensation. We proceeded to make a claim on her underinsured motorist (UIM) policy, which would not penalize Andy in any way, and instead would cover the remaining costs for her pain, suffering and missed wages.
Andy had $300,000 in UIM coverage and we successfully recovered $292,500 of that insurance for a total recovery of $392,500.
Hurt in an accident where the other driver was uninsured or underinsured? Learn more about UIM.
Net settlement to client after expenses: $259,069.29