$50,000 Policy Limits Recovery

Schmittgens Injury Law filed suit and forced a full $50,000 policy limits tender for a Missouri hit-and-run victim with a lumbar spine injury.

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A Missouri hit-and-run victim who suffered significant lumbar spine injuries turned to Schmittgens Injury Law Firm after the insurance company offered only $14,550, then a slightly improved $18,000 — both far below the true value of the claim. Recognizing the offers didn’t reflect the severity of the injury, our car accident attorneys moved from negotiation to litigation, filing a formal lawsuit and propounding discovery to build pressure on the insurer. That proactive litigation strategy paid off: the carrier tendered the full $50,000 policy limit within approximately 60 days of the lawsuit being filed. This result shows why hiring a Missouri personal injury law firm willing to litigate — not just negotiate — can make the difference in a hit-and-run injury claim.

  • Recovered the full $50,000 policy limit for a lumbar spine injury from a hit-and-run accident.
  • Rejected inadequate settlement offers of $14,550 and $18,000.
  • Filed a lawsuit and propounded discovery to pressure the insurance carrier.
  • Secured a full policy limit tender within 60 days of filing suit.
  • Shows the effectiveness of litigation over prolonged negotiation for undervalued claims.

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