$1,000,000 Policy-Limits Recovery After Tow-Truck Red-Light Collision Causes Spine Injuries in Anaheim, CA

Attorneys Adam Kocaj & Samer Habbas Deliver Full Combined Single-Limit Recovery

Recent Case Result – Auto Accident / Commercial Tow Truck Collision

Samer Habbas & Associates secured a $1,000,000 policy-limits recovery for a client who suffered serious spine and orthopedic injuries after a commercial tow truck ran a red light at a major Anaheim intersection. This full recovery represents the entire combined single-limit available under the defendant’s policy.

The result was achieved through the combined efforts of Attorneys Adam Kocaj and Samer Habbas, who built a powerful liability case and applied strategic litigation pressure that left the insurance carrier no choice but to tender the full limits.

A High-Impact Red-Light Crash with Clear Liability

The collision occurred at CA-90 (Imperial Highway) and the CA-91 off-ramp when the defendant, operating a Chevrolet 5500 tow truck, unlawfully entered the intersection on a solid red light while distracted on his cell phone.

Police dash-cam footage, independent documentation, and a formal traffic citation proved—without question—that the tow-truck driver caused the crash. Our client was lawfully proceeding on a green signal when the truck struck her vehicle on the front-right side at significant speed.

Serious Injuries That Disrupted Our Client’s Life

As a result of the heavy impact, our client sustained:

Significant spine injuries requiring both lumbar decompression surgery and cervical disc replacement
Persistent neck, hip, and lower back pain
Upper-extremity symptoms, including bilateral hand and arm issues
Post-concussive symptoms
Emotional distress and anxiety related to the collision
Extended time away from work and daily activity limitations

While the injuries were substantial, our firm’s priority was ensuring that the insurance company acknowledged the full magnitude of the harm and compensated the client accordingly.

How Our Legal Strategy Secured the Full $1,000,000

Attorneys Kocaj and Habbas focused the case on three core pillars:

Assembling Irrefutable Liability Evidence:
Dash-cam footage, the Vehicle Code §21453(a) violation, and employer responsibility under respondeat superior created an undeniable liability profile.
Demonstrating the Real-World Impact of the Injuries:
Our attorneys presented medical records, surgical findings, wage loss calculations, and functional limitations in a way that clearly reflected how the injuries affected the client’s daily life and long-term health.
Using Strategic Litigation to Force a Policy-Limits Resolution:
Through aggressive litigation, structured discovery, and a comprehensive CCP §999 demand, the insurer ultimately tendered the entire $1 million combined single-limit—including amounts previously allocated to property damage.

This was the maximum possible recovery available under the policy.

A Life-Changing Outcome for the Client

This recovery provides the client with meaningful financial stability as she continues to focus on healing and rebuilding her life after the crash. It reflects not only the severity of the harm, but also the strength of the legal case developed by our firm.

If You’ve Been Seriously Injured, We’re Here to Help

Collisions involving commercial vehicles or red-light violations often result in serious injuries and major financial losses. You deserve a team that understands how to build a powerful case and fight for every dollar you’re owed.

Injured in an accident? Get Samer On Your Side.

Visit Habbaspilaw.com or call us today for a free consultation.