$100,000 Policy Limits Recovery

Insurance companies often try to devalue claims involving pre-existing conditions — and this low-impact parking lot collision was no exception. Our client had an extensive history of back and neck issues, which the insurer initially used against the claim. Schmittgens Injury Law Firm proactively filed a lawsuit and substantiated the case with a specialized expert report establishing a clear link between the collision and the client’s need for future surgery. Once the lawsuit was filed and the defendant served, the insurance company recognized the strength of the medical evidence and the risk of trial, and tendered the full $100,000 policy limit.

• Achieved a $100,000 policy limit tender in a low-impact parking lot collision case.
• Overcame the defense’s reliance on the client’s pre-existing back and neck conditions.
• Used an expert medical report to establish causation and project future surgery costs.
• Filed and served a lawsuit to compel the insurance company to pay maximum policy limits.