$100,000 Policy Limits Recovery

When an insurance carrier denied liability on a 28-year-old client’s uninsured motorist claim, Schmittgens Injury Law Firm stepped in to fight for full compensation. After the initial denial, the insurer’s first settlement offer was a mere $17,500 — a fraction of what the claim was worth. As experienced uninsured motorist claim lawyers, our team refused to accept the inadequate offer and built a strong case demonstrating the client’s need for future medical care. That strategic persistence overcame the carrier’s resistance and resulted in a full $100,000 policy limits recovery. This case highlights why Missouri accident victims need an attorney who understands how to counter insurance company tactics, from wrongful denials to lowball settlement offers.

• Overcame an initial uninsured motorist claim denial to secure the maximum policy limit payout.
• Rejected a lowball settlement offer of $17,500 in favor of the full $100,000 policy limit.
• Used evidence of future medical care needs to justify a higher settlement value.
• Held a firm negotiating position to pressure the insurance carrier into a full recovery.
• Illustrates the importance of not accepting an insurance company’s first offer after an accident.