In Cadle v. GEICO General Insurance Co., a woman was apparently hurt in a 2007 Florida rear-end automobile collision. Immediately following the accident, the woman received medical care at a local hospital. Over the course of the next 28 months, the injured woman was treated for her alleged neck and back harm by a number of doctors. In late 2009, she also underwent surgery related to the vehicle crash.
The injured woman’s automobile insurer was reportedly notified of the accident on the date it occurred. About one year later, the company offered to settle the woman’s underinsured motorist (“UM”) claim for $500, although it was authorized to pay her almost $20,000. Instead of accepting the settlement offer, the woman ,sent a demand letter to her insurance company, seeking the full UM policy limits of $75,000. The insured also provided the company with a copy of her medical records and stated she was considering surgery to treat her accident injuries. The following month, the company offered to settle the woman’s UM claim for $1,000.