Louisville Jury Awards $119,478 in Red-Light Crash UIM Dispute
One driver ran a red light and struck another vehicle in downtown Louisville. The passenger in the struck vehicle sought treatment for aggravated cervical and disc conditions, experiencing radiating pain. Medical bills totaled $19,478. The passenger also sought damages for pain and suffering. The defense argued the injury was minimal and noted a prior history of similar complaints. The jury awarded $119,478.
Case Information Updated: October 2025
About Cervical Disc Injury Injuries
Cervical disc injuries involve damage to the intervertebral discs in the neck region (C1-C7). These injuries can include herniated discs, bulging discs, and disc degeneration accelerated by trauma.
Case Outcome
- Outcome
- Verdict-Plaintiff
- Amount
- $119,478
- County
- Jefferson County, KY
- Resolved
- 2018
Injury & Accident Details
- Injury Type
- Cervical Disc Injury
- Accident Type
- Multi-vehicle
- Case Type
- Insurance Law, Transportation Law
Settlement Context
This verdict-plaintiff of $119,478 is above the median of $40,000 for cervical disc injury cases resolved by verdict-plaintiff. The typical range is $18,000 to $100,607, based on 254 cases in our database.
Case Overview
On May 9, 2015, a passenger was involved in a vehicle collision at the intersection of Fifth and Broadway in downtown Louisville, Kentucky. The vehicle carrying the plaintiff was struck by a second car, whose driver had proceeded through a red light. The plaintiff was treated at an emergency room and subsequently for an aggravation of degenerative cervical and disc conditions, incurring medical bills totaling $19,478.
After receiving $25,000 from the at-fault driver's insurer, the plaintiff filed a lawsuit in Jefferson Circuit Court against his own carrier, the defendant insurer, seeking Underinsured Motorist (UIM) coverage. The case was later removed to federal court on diversity jurisdiction. The plaintiff claimed $19,478 for medical expenses and $129,000 for pain and suffering. The defendant insurer argued that the claimed injuries were minimal and pointed to the plaintiff's history of similar complaints from a previous accident seven months prior.
The case proceeded to a jury trial, which focused solely on the issue of damages. The jury returned a verdict in favor of the plaintiff for $119,478, comprising $19,478 for medical expenses and $100,000 for pain and suffering. This award exceeded the $35,000 threshold required to activate UIM coverage and the $60,000 amount that would have exhausted the defendant insurer's UIM policy. The court subsequently entered a judgment for the plaintiff for the $25,000 UIM policy limits.
Understanding This Case
- Many cervical disc injuries improve with conservative treatment. However, about 30% of cases may require surgical intervention, with varying degrees of permanent impairment.
- 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 Jefferson County, Texas. Local jury tendencies, judge assignments, and regional economic conditions all influence case outcomes in this jurisdiction.
- Resolved in 2018, 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
This outcome differs from typical similar cases
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