$225,000.00 – Settlement $175,000 over Insurance Limits

Brown v Haithcoat, St Louis County, Missouri. Our client was hurt in a  rear end accident when a driver insured by State Farm Insurance was not paying attention and caused the crash.  Our client ended up being diagnosed with a significant neck injury. The driver had $50,000 in coverage with State Farm and a demand was made for full payment of the policy limits.   State Farm did not pay the policy  limits and when case was close to trial they settled for $225,000, well over the insurance policy limits.

This is called an excess judgment or settlement and State Farm had to pay this because they did not settle the case for $50,000 policy limits when they had the chance.  If done right by your lawyer, if the insurance company doesn’t pay the policy limits when they should a good case can be made against the insurance company that they now have to pay over the policy limits.

Our client’s case took a little longer to resolve, but it was well worth it.  Her case was able to settle for $225,000 instead of being limited to the $50,000 auto insurance limit of coverage  the at fault driver had with State Farm.

Experienced Missouri injury lawyers know how to approach a case to set the insurance company up for excess judgments or settlements if they don’t pay the policy limits right away.  Call us for a free consultation. (314) 863-0500.