Underinsured Motorist Claim – Camden County, NJ
Disclaimer: Results may vary depending on your particular facts and legal circumstances.
This Camden County case demonstrates just how important it is that accident victims choose experienced lawyers to handle their claims. Our client, who worked for NAPA Auto Parts, was on the clock and in a car owned by his employer at the time of the accident. He was driving on the White Horse Pike in Berlin, New Jersey, when he stopped at a traffic light that had turned red near Jackson Road. Without warning, another car rear-ended him, forcing his vehicle into the back of the car ahead of him.
Our client lost consciousness at the time of the accident. An ambulance took him to the emergency department of Virtua Memorial Hospital, where he underwent CTs and X-rays to diagnose the source of his head, neck, back, and chest pain. Further evaluation and treatment in the months that followed the collision revealed that our client had sustained a closed head injury and numerous injuries to his back, including a herniated disk in the lumbar region of the spine, an annular tear in the cervical region of the spine, and multiple disk bulges in the spine, in both the lumbar and cervical regions. After undergoing additional tests and a series of epidural steroid injections, our client remained in pain and at risk for developing serious and permanent neurological damage from the compression of his nerves and spinal cord. His doctors recommended that he undergo a four-level decompression surgery.
Clearly, our client’s medical needs were serious, and the resulting medical expenses were costly. He also missed 29 weeks of work due to the accident. Workers’ Compensation benefits did not cover the full amount of his medical expenses and lost income. Neither did the $15,000 settlement from the insurance company of the at-fault party, who had opted for a policy with low policy limits. Our attorneys pursued an underinsured motorist claim on behalf of this client, attaining for him an additional $110,000. Had this client tried to handle the claim on his own and been unfamiliar with his coverage or with the challenges of winning an uninsured motorist claim, he might have been left with nothing but the $15,000 settlement, not nearly the amount of compensation he deserves. Though his injuries are lifelong, the six-figure settlement from the underinsured motorist claim will allow him to afford the medical care he needs to minimize his pain and maximize his quality of life.