Verdictly
Settlement
Yuma County • 2017

Arbitrator Awards $50,000 in Underinsured Motorist Claim

One driver was involved in a work-related car accident. The other driver's insurance paid their policy limit. The injured driver then sought underinsured motorist benefits from their own insurance company. After a dispute over the amount owed, the case went to arbitration, which determined the injured driver's damages were higher than the policy limit. The insurance company paid the policy limit, but a subsequent bad faith claim was denied.

Case Information Updated: October 2025

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Other Injury
Other Accident

Case Outcome

Outcome
Settlement
Amount
$50,000
County
Yuma County, AZ
Resolved
2017

Injury & Accident Details

Injury Type
Other
Accident Type
Other
Case Type
Motor Vehicle Accident

Case Overview

In May 2007, a plaintiff was involved in a work-related automobile accident. The plaintiff held an underinsured motorist (UIM) policy with an insurer, carrying a $50,000 limit. After the other driver's insurer paid its $15,000 liability limit, the plaintiff claimed higher damages and sought the full UIM policy limit from their own insurer. The insurer initially offered $2,500 to settle the claim.

As the plaintiff's claimed damages, including medical bills and lost wages, escalated to $117,922.10, the insurer's offer increased to $3,500. The plaintiff then filed a complaint for breach of contract, alleging failure to pay UIM benefits. After a Social Security Administration determination of total disability, the plaintiff demanded the $50,000 policy limit. The parties proceeded to binding arbitration, where an arbitrator found the plaintiff's accident-related damages, including fibromyalgia, totaled $200,000.

Following the arbitration award, the insurer paid the plaintiff the $50,000 UIM policy limit. The plaintiff's subsequent attempt to add a bad faith claim was denied by the trial court, which cited prejudicial and dilatory delay. The court then dismissed the entire case with prejudice.

VerdictlyTM Score

42
/100
Questionable

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