Verdictly
Settlement
Harris County • 2018

Houston Jury Awards $30,000 in Underinsured Motorist Claim

One driver sued an insurance company after it refused to provide underinsured motorist benefits following a rear-end collision. The insurance company argued the injured driver's injuries were exaggerated. The collision caused injuries to the driver's neck and back, including disc herniations and nerve root involvement. The driver underwent pain management and may need future surgery, while the insurance company claimed a pre-existing condition was exacerbated. A jury awarded damages, which were then reduced by a prior settlement and capped by the insurance policy coverage.

Case Information Updated: October 2025

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Lumbar Disc Injury
Rear-end
Insurance Obligation

Case Outcome

Outcome
Settlement
Amount
$30,000
County
Harris County, TX
Resolved
2018

Injury & Accident Details

Injury Type
Lumbar Disc Injury
Accident Type
Rear-end
Case Type
Insurance Obligation, Insurance law, Business negligence, Insurance obligation

Case Overview

In July 2012, a plaintiff was injured in a rear-end vehicle collision in Houston, Texas. The plaintiff sustained neck and back injuries, including disc herniations at L4-5 and L5-S1, leading to nerve root involvement and lumbar radiculopathy. The plaintiff alleged the injuries required multiple epidural injections and would necessitate future lumbar surgery. Following a settlement with the at-fault driver, the plaintiff filed a lawsuit against their own insurance company, seeking underinsured motorist benefits.

The plaintiff contended that the at-fault driver's negligence caused the significant and ongoing injuries. The defendant insurance company denied the plaintiff was entitled to additional benefits, arguing that the alleged injuries were exaggerated, stemmed from a pre-existing degenerative lumbar condition, had reached maximum medical improvement, and did not require surgical intervention.

A jury found in favor of the plaintiff, awarding $108,223 in total damages. This amount was then reduced by a $32,000 settlement the plaintiff had received from the at-fault driver, resulting in a net jury award of $78,223. The court subsequently issued a judgment, capping the defendant insurance company's liability at $30,000, consistent with the plaintiff's underinsured motorist coverage limits.

VerdictlyTM Score

48
/100
Questionable

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