Our client was seriously injured while riding on the back of an ATV after leaving a neighbor’s house. The neighbor, who had been drinking, suddenly hit the gas as a joke. The ATV sped forward, throwing our client off the back and onto the pavement in the street. The impact caused a traumatic brain injury and required 13 staples to the client’s skull.
From the start, this case involved clear negligence. The driver’s intoxication and reckless behavior directly caused the crash and the head injury. Even so, the insurance situation was not straightforward. The ATV policy only provided $100,000 in coverage, and the initial settlement offer was just under $44,000—far less than what our client needed and deserved.
Instead of rushing to settle, our team took the time to carefully look for all available insurance coverage. That patience paid off. We identified an additional homeowner’s insurance policy that applied because the injury happened due to the homeowner’s negligence. This uncovered significant additional coverage, strengthening the case without the need for a lawsuit, experts, or trial.
The case ultimately settled for $200,000. The settlement covered all medical bills and left our client with more than $125,000 in their pocket. Most importantly, the client felt heard, supported, and relieved throughout the process, and was thrilled with the outcome. This case shows how taking the time to fully investigate can make a life-changing difference for someone after a serious injury.
