Verdictly
Settlement
Harris County • 2019

Houston Jury Awards $416,517 in Underinsured Motorist Dispute

One driver was stopped at a red light when the other driver struck her vehicle. The driver who caused the collision fled the scene but was later apprehended. The injured driver pursued underinsured motorist benefits from her own insurance company after settling with the at-fault driver. The insurance company denied the claim, leading to a lawsuit.

Case Information Updated: October 2025

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Lumbar Disc Injury
Rear-end
Insurance Obligation

Case Outcome

Outcome
Settlement
Amount
$416,518
County
Harris County, TX
Resolved
2019

Injury & Accident Details

Injury Type
Lumbar Disc Injury
Accident Type
Rear-end
Case Type
Insurance Obligation, Vehicle negligence, Business negligence, Surgical negligence

Case Overview

On December 6, 2014, in Houston, Texas, a vehicle collision occurred on Gray Street. The plaintiff's vehicle was struck by another driver who moved into the plaintiff's lane. The at-fault driver fled the scene but was later located and cited by the Houston police department. The plaintiff sustained low back injuries in the collision and subsequently settled with the at-fault driver for the $30,000 policy limits.

Following the initial settlement, the plaintiff sought underinsured motorist benefits from her own insurance company, the defendant. The defendant insurance company denied the plaintiff's request, leading the plaintiff to file a lawsuit alleging a breach of duty for failing to pay benefits. The plaintiff claimed to have suffered lumbar disc injuries requiring two epidural steroid injections and future lumbar surgery, incurring over $92,000 in past medical expenses. The defendant insurance company maintained that the plaintiff had been adequately compensated for her injuries by the initial settlement with the at-fault driver.

A jury in Houston, Texas, heard the case. On April 3, 2019, the jury found in favor of the plaintiff. The jury awarded the plaintiff $211,517.71 for past damages and an additional $205,000 for future damages.

VerdictlyTM Score

50
/100
Questionable

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