Our firm recently achieved a maximum policy limit settlement for a client who required spinal surgery after a serious crash. The case also involved a minor who sustained injuries.
This result came after VB Attorneys made a second Stowers demand to the insurance company, putting maximum pressure on them to act in good faith and protect their insured. By refusing to resolve the claim within the policy limits the first time, the insurer exposed themselves to significant risk. On our second demand, they agreed to tender the maximum settlement available under the policy.
Our client was seriously hurt due to another driver’s negligence, suffering spinal injuries that required surgical intervention. A minor passenger also sustained injuries, further complicating the case.
Insurance companies often resist paying fair value, even when liability is clear and damages are significant. That’s where the Stowers doctrine comes into play. When an insurer fails to settle a case within the limits of their insured’s policy when it reasonably should, they may be held responsible for the full judgment—even beyond the policy limits.
By carefully building the case and issuing multiple demands, we positioned our client’s case for the best possible outcome.
The insurance company agreed to pay the maximum in available policy limits, bringing relief and financial security to our client and their family.
At VB Attorneys, we fight tirelessly for injury victims, ensuring that insurers are held accountable and that our clients receive the compensation they deserve.