Ryan M. was broadsided on Sunset Blvd. in West Hollywood and suffered injuries to his low back.
The defendant who hit Ryan only had $15,000 insurance and promptly paid the policy limits.
Ryan filed an Underinsured Motorist (UIM) claim against his own insurance company Mercury. Mercury rejected the claim stating they believed Ryan received sufficient compensation from defendant’s insurance company. Mercury had a $100,000 UIM policy; Ryan required extensive chiropractic care, PRP injections, and epidurals were suggested by a pain management doctor. There was also testimony that Ryan may require future surgery.
In arbitration, the judge awarded $146,000 to Ryan, well over the policy limits.
Ryan M. vs. Mercury Insurance, March 15, 2021.
Pro Tips:
1) Insurance always try to pay the minimum.
2) Mercury’s failure to analyze this case cost them a lot and probably the adjuster’s job.
3) Ryan and his doctor’s testimonies were compelling.
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