Kyle Jury Awards $287,589.31 in Underinsured Motorist Claim
One driver stopped at a four-way stop and was struck by another car. The injured driver claimed injuries to her back and neck. The case proceeded to trial to determine damages.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Verdict-Plaintiff
- Amount
- $287,589
- County
- Hays County, TX
- Resolved
- 2019
Injury & Accident Details
- Injury Type
- Neck Injury (Whiplash)
- Accident Type
- Rear-end
- Case Type
- arm, back, sprain
Case Overview
In April 2016, a 48-year-old horse trainer was involved in a car accident in Kyle after another vehicle struck her car at a four-way stop. The plaintiff claimed C5-6 and C6-7 disc herniations, shoulder pain, and cervical, thoracic, and lumbar sprains. Following the at-fault driver's $30,000 insurance policy tender, the plaintiff sued her own insurer, Germania Insurance, for underinsured motorist benefits. The defendant conceded liability, focusing the trial solely on damages.
The plaintiff underwent extensive physical therapy, chiropractic care, and pain management with injections. Despite initial improvement, her neck pain recurred, leading an orthopedic surgeon to recommend cervical fusion surgery. The plaintiff testified prior injuries had resolved and the accident significantly impacted her horse riding. She sought over $65,000 for past medical expenses, approximately $267,000 for future medical expenses, and compensation for pain, anguish, and physical impairment.
The defense suggested the herniations stemmed from horse riding or prior accidents. A defense pain management expert opined certain treatment charges were excessive. The defense proposed $25,000 for past medical expenses and no future damages. Following a four-day trial, a jury awarded the plaintiff $287,589.31. However, the defendant insurer's liability was limited to its $50,000 policy, plus taxable costs.
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