$75,000 Combined Policy Limits Recovery

When the at-fault driver’s insurance company tried to shift liability onto the driver of our client’s own vehicle, Schmittgens Injury Law Firm filed a formal lawsuit rather than accept the insurer’s pre-suit offer of just $30,000. Proceeding through discovery, our team demonstrated the strength of the claim and overcame the defense’s liability arguments, ultimately securing a total recovery of $75,000 — exhausting all available policy limits. The final compensation combined $50,000 from the at-fault driver’s policy with an additional $25,000 from the underinsured motorist (UIM) coverage held by the owner of the vehicle in which our client was a passenger.

• Secured a $75,000 total recovery, a 150% increase over the initial $30,000 pre-suit offer.
• Countered defense attempts to shift liability to the driver of the client’s own vehicle.
• Used formal litigation and discovery to compel maximum policy limit payouts.
• Recovered from multiple insurance sources: $50,000 at-fault policy plus $25,000 UIM coverage.