Such was the case with Debbie. She was rear-ended by a 21-year-old in what the insurance company would call a “low impact collision.” The damage to her car wasn’t more than $1,000.
Low Damage Doesn’t Mean Low Medical Bills
What insurance companies don’t like to tell you is that minimal auto damage doesn’t always equal minimum injury. After the wreck, Debbie though she’d be fine and waited to see a doctor. It wasn’t until nearly a month after her incident that she decided to get checked out and when she did, the doctor found a bulge in her back. He recommended surgery.
Unfortunately, Debbie made a mistake. She didn’t want surgery. She didn’t want to spend the money. She thought maybe the pain would go away. And she was wrong.
A Gap In Treatment
Eventually, a year and a half later, she realized the only way to heal was to have back surgery. So she started trying to talk to the other driver’s insurance company. Of course, a year and a half is a very long time to wait before starting a claim. In Texas, you only have two years from the date of an accident to bring a claim (it’s called the Statute of Limitations).
The insurance company knew this, so they were dragging their feet, saying things like “Are you sure the wreck caused your back injury? It happened so long ago.” And “If you’re really hurt, why didn’t you get help sooner?”
Frustrated with the insurance adjuster’s tactics, Debbie came to us.
We knew we had to act quickly and aggressively if we were going to get Debbie the help she needed before the deadline was up. We went right to work. We constructed her case and filed suit, ignoring the insurance adjuster’s attempts to use her low property damage and gap in treatment against us. Her medical bills were $54,000. We successfully negotiated Debbie a settlement of $115,000.
Net settlement to client after expenses: $76,658.47