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Verdict-Defense
Maricopa County • 2001

Arizona Jury Trial for UIM Bad Faith Claim Concludes

One driver brought an action against another motorist after a collision. The driver then filed a claim for underinsured motorist benefits, alleging the collision caused depression and that their damages exceeded the other driver's limits. The insurance company refused to pay, and the driver alleged breach of contract and bad faith for failure to conduct an adequate investigation. The defense argued that the depression was not related to the accident or was exaggerated.

Case Information Updated: October 2025

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Psychological / PTSD
Other Accident
Depression

Case Outcome

Outcome
Verdict-Defense
Amount
$38,000
County
Maricopa County, AZ
Resolved
2001

Injury & Accident Details

Injury Type
Psychological / PTSD
Accident Type
Other
Case Type
Depression

Settlement Context

This verdict-defense of $38,000 is near the median of $38,000 for psychological / ptsd cases resolved by verdict-defense. The typical range is Undisclosed to $150,478, based on 4 cases in our database.

Case Overview

An automobile collision led to an initial judgment of $38,000 for the plaintiff against the at-fault motorist. Subsequently, the plaintiff filed a claim for Uninsured/Underinsured Motorist (UIM) benefits with their insurer, the defendant, asserting the collision caused depression and that overall damages exceeded the primary judgment. The defendant refused to pay the UIM claim.

The plaintiff then initiated a lawsuit alleging breach of contract and bad faith, specifically citing the insurer's failure to perform an adequate investigation. The plaintiff contended that the accident directly caused their depression, while the defendant argued that the depression was either unrelated to the collision or had been exaggerated. Both parties presented testimony from medical experts specializing in psychiatry, neuropsychology, internal medicine, and physical rehabilitation. The plaintiff also called an insurance expert.

The case proceeded to a five-day jury trial in Arizona, where jurors deliberated for 1.5 hours. The record did not specify the jury's verdict or the final judgment in the case.

Understanding This Case

  • This case went to trial and resulted in a jury verdict. Verdicts can yield higher awards but carry the risk of receiving nothing if the jury rules against the plaintiff.
  • This case was resolved in Maricopa County, Arizona. Local jury tendencies, judge assignments, and regional economic conditions all influence case outcomes in this jurisdiction.
  • Resolved in 2001, this case reflects the legal and economic conditions of that period, including medical costs, insurance practices, and jury award trends at the time.

VerdictlyTM Score

75
/100
Reasonably Fair

This outcome is within expected ranges

This score is calculated by analyzing injury type, accident details, geographic location, temporal trends, and comparing against 2,000+ similar cases in our database.

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