Our client’s vehicle was struck by a truck exiting a gas station, when she was stopped at an intersection at Blue Ridge Boulevard and Holmes Road in Kansas City, Missouri.
Our client did not seek immediate medical treatment but noticed cervical pain and strain in the days following the accident. She went to her primary care physician who referred her to a neurosurgeon.
She then underwent a MRI, which noted a herniated disc protruding 7mm at C3-C4 and flattening of the spinal cord at C3-4, C4-5, and C5-6 of her spine. It also confirmed multi-level cervical spinal canal stenosis with severe stenosis at C3-4, C4-5, and C5-6. Based on the exam and the imaging findings, our client’s neurosurgeon recommended she undergo ACDF (anterior cervical discectomy and fusion) surgery from C3 to C6.
The insurance company of the liable party paid policy limits within days after our demand package was submitted. We then submitted a demand under our client's own underinsured motorist (UIM) coverage provision of her own policy due to the relatively low limits of the liable party. When our client's own insurance company refused to pay, we initiated a lawsuit. After engaging medical experts to prove that the crash caused our client's injuries, the insurance company finally paid the policy limits under the underinsured motorist coverage.