San Antonio Jury Awards $255,500 in UIM Car Crash Claim
One driver entered another driver's lane, causing a collision between their vehicles. The injured driver claimed back and neck injuries. After settling with the at-fault driver's insurance, the injured driver pursued a claim against her own insurance for underinsured motorist benefits. The case proceeded to trial on the issue of damages.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Verdict-Plaintiff
- Amount
- $255,500
- County
- Bexar County, TX
- Resolved
- 2019
Injury & Accident Details
- Injury Type
- Cervical Disc Injury
- Accident Type
- Sideswipe
- Case Type
- Headaches, Hypolordosis, Sprain
Case Overview
On June 1, 2015, a plaintiff was driving a sedan in San Antonio when another vehicle entered her lane and struck her car. The plaintiff claimed she sustained injuries to her back and neck. She settled her claim against the at-fault driver for the $30,000 policy limit before filing suit. Subsequently, the plaintiff sued her own insurance carrier, Allstate Fire and Casualty Insurance Co., seeking underinsured motorist (UIM) benefits. Additional extra-contractual claims against the insurer and its adjusters were severed and abated prior to trial.
The defendant stipulated to the negligence of the at-fault driver, and the case proceeded to trial solely on the issue of damages. The plaintiff underwent initial emergency care for neck and back pain, later receiving diagnoses including a mild concussion and cervical, thoracic, and lumbar sprains and strains. Subsequent medical imaging revealed herniations in her lumbar and cervical spine. She received physical therapy and epidural steroid injections, and orthopedic surgeons eventually recommended a two-level anterior cervical discectomy and fusion, as well as a lumbar discectomy and laminectomy. The plaintiff also pursued various alternative therapies. A chiropractor assigned impairment ratings for her neck, back, and whole body, and a second orthopedic surgeon concurred with the surgical recommendations. The plaintiff sought damages for past and future medical expenses, lost earning capacity, pain, mental anguish, and physical impairment, arguing for a total of $1.3 million.
The defense highlighted discrepancies between the plaintiff's testimony and medical records, and argued that only the initial chiropractic treatment and other care before July 1, 2015, was reasonable, necessary, and related to the accident. The defense suggested an award of $15,000 for past medical bills only. After a two-day trial and 2.25 hours of deliberation, a San Antonio jury awarded the plaintiff $255,500. However, her recovery was limited to the $50,000 underinsured motorist policy limit, plus taxable costs.
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