Verdictly
Settlement
Harris County • 2018

Houston Jury Awards $385,000 in UIM Claim After Rear-End Collision

One driver's vehicle was struck from behind, causing injuries to their neck. The driver required surgery for spinal issues. The driver sought underinsured motorist benefits from their insurance company, which were denied. The case went to court, where a jury found the driver was entitled to additional benefits.

Case Information Updated: October 2025

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Cervical Disc Injury
Rear-end
Insurance Obligation

Case Outcome

Outcome
Settlement
Amount
$385,000
County
Harris County, TX
Resolved
2018

Injury & Accident Details

Injury Type
Cervical Disc Injury
Accident Type
Rear-end
Case Type
Insurance Obligation, Insurance obligation, Insurance law, Breach of contract

Case Overview

On December 12, 2010, a driver's vehicle was rear-ended by another driver in Houston, Texas. The plaintiff sustained significant cervical injuries, including disc injuries, radiculopathy, and stenosis, which necessitated surgeries such as a hemilaminectomy and nerve root decompression. After settling with the at-fault driver for the policy limit of $25,000, the plaintiff sought underinsured motorist (UIM) benefits from her own insurance provider.

The defendant insurer denied the UIM claim, leading the plaintiff to file a lawsuit alleging breach of contract. The plaintiff contended that her extensive injuries and the insufficient settlement from the at-fault driver's policy entitled her to additional compensation under her UIM coverage. The defendant, however, argued that the plaintiff's injuries were pre-existing or related to subsequent incidents, and that the initial settlement had adequately covered her damages.

Following a jury trial, the jury found in favor of the plaintiff. The plaintiff was awarded $265,000 for past damages and $120,000 for future damages. The total award was then offset by the $25,000 previously received from the at-fault driver's settlement.

VerdictlyTM Score

50
/100
Questionable

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