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Habbas started on this case by litigating against the third party insurance company; the policy limits for that carrier were $100,000. The insurance company initially denied payment, alleging they were not the cause of our client’s injuries. However, Habbas was able to get the company to oblige to the first offer.
Habbas then moved forward with an Underinsured Motorist Claim under the client’s own policy. This company as well initially balked at connecting the injuries to the accident. A demand for arbitration was forwarded to the underinsured carrier. Intensive litigation and negotiating then took place. Due to Habbas’ intensive litigation and negotiation approach, the underinsured carrier settled for $759,999.99, giving the client a total gross settlement of $859,999.99.
We cannot stress enough the importance of carrying uninsured/underinsured bodily injury coverage. Many motorists in the state of California do not carry insurance coverage or purchase the bare minimums required by the state. Here, our client was injured severely enough that the third policy limits were not even close to being sufficient to cover her entirely for her losses. Being that her company had carried a huge Underinsured Motorist policy, we were able to force her carrier to step into the shoes of the third party and pay what was justly owed to her.