Houston Jury Awards $89,000 in UIM Rear-End Collision
One driver was traveling when their vehicle was struck in the rear by another driver. The injured driver experienced neck and back problems. The case involved claims for additional insurance benefits after settlements with the at-fault driver and the injured driver's own insurance company did not fully cover the damages. The jury determined the injured driver was entitled to past and future damages.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Settlement
- Amount
- $151,500
- County
- Harris County, TX
- Resolved
- 2020
Injury & Accident Details
- Injury Type
- Neck Injury (Whiplash)
- Accident Type
- Rear-end
- Case Type
- Insurance Obligation, Insurance law, Business negligence, Insurance obligation
Case Overview
In February 2020, a Houston, Texas jury awarded $89,000 to a plaintiff in a dispute over underinsured motorist benefits following a 2015 rear-end collision. The plaintiff had sued her employer's insurance carrier after prior settlements with the at-fault driver and her personal insurer did not fully cover her injuries.
The incident occurred on May 5, 2015, when the plaintiff’s vehicle was struck from behind while traveling on West Houston Center Boulevard. The plaintiff sustained head, neck, and back injuries, including cervicalgia, dizziness, headaches, lumbar disc herniations, and radiculopathy, which required injections and anticipated surgery. The plaintiff settled with the at-fault driver for $30,000 and received an additional $32,500 from her personal insurance carrier. Believing these amounts insufficient, the plaintiff sought further compensation from her employer’s insurance company, Mercury Insurance, as she was driving a company vehicle at the time of the accident.
The plaintiff alleged the at-fault driver was negligent for failing to brake, maintain vehicle control, and keep a proper lookout. Mercury Insurance denied the plaintiff's entitlement to additional benefits, leading to the lawsuit. The jury determined that the plaintiff suffered serious injuries caused by the tortfeasor and awarded $63,500 in past damages and $88,000 in future damages, totaling $151,500. After credits for the previous settlements were applied, the final judgment against Mercury Insurance was $89,000.
VerdictlyTM Score
This outcome differs from typical similar cases
This score is calculated by analyzing injury type, accident details, geographic location, temporal trends, and comparing against 2,000+ similar cases in our database.
Want to check your case value?
Get a free case evaluation to understand what your motor vehicle accident case might be worth based on cases like this in Harris County.
Similar cases you may find useful
Handpicked by matching injury type, accident details, and outcome to this case.
On July 16, 2015, in Plano, Texas, a plaintiff's vehicle was rear-ended by another car while stopped at a traffic signal. The plaintiff, an office worker, sued the driver for negligence, claiming neck and back injuries. Initial allegations against the vehicle owners were dismissed, and the driver conceded liability, leading the trial to focus exclusively on damages. The plaintiff reported a C4-5 disc protrusion with nerve impingement and cervicogenic migraines, which she attributed to the collision or an aggravation of pre-existing conditions. Her medical treatments included various therapies and injections, and a neurosurgeon recommended potential future surgery. She also claimed significant impacts on her career and social life. The defense argued the plaintiff's neck problems were pre-existing and age-related, disputing the accident's severity and questioning the necessity of all medical costs. After a two-day trial, a jury deliberated for 1.5 hours before awarding the plaintiff $88,400. This award covered past and future medical costs, physical impairment, physical pain and suffering, and mental anguish.
On March 1, 2015, a student driving a pickup truck in Allen, Texas, was rear-ended by a sports car while stopped at a light. The student, who became the plaintiff, alleged negligence by the sports car's driver, the defendant, claiming injuries to the back, head, and neck. The defendant denied negligence, attributing the collision to brake failure, though he acknowledged not having his brakes checked after the incident. The plaintiff reported immediate neck, back, and head pain, receiving a concussion diagnosis at an emergency room before being released. Following physical therapy and cervical and lumbar MRIs that showed a disc herniation and bulging discs, the plaintiff ceased treatment for over two years. In October 2017, the plaintiff sought further care, including an epidural steroid injection and a recommendation for cervical discectomy and fusion surgery. A neuropsychologist later diagnosed post-concussion syndrome. The plaintiff's orthopedic surgeon testified that all treatments were reasonable, necessary, accident-related, and that the recommended surgery would cost approximately $150,000. The defense's orthopedic expert countered, stating the cervical MRI indicated only a disc bulge, not a herniation, and that lumbar findings were minor, precluding the need for further surgery. The defense argued the plaintiff's neck injury and neuropsychological issues likely stemmed from playing football, highlighted the referral of the plaintiff to a surgeon by an attorney, and emphasized the significant gap in treatment. After a two-day trial and 1.25 minutes of deliberation, the jury found the defendant negligent and awarded the plaintiff $255,500. Subsequently, the parties settled for $283,915.76, which included prejudgment interest and taxable costs, in lieu of a judgment being entered.
In January 2015, a plaintiff, a financial planner, was involved in a multi-vehicle collision on Eldorado Parkway in McKinney. The plaintiff's pickup truck was struck from the rear by another pickup, driven by a 16-year-old, which propelled the plaintiff's vehicle into a preceding car. The plaintiff initially reported neck, back, and head injuries, later alleging a traumatic brain injury and subsequent cognitive impairment. The plaintiff sued the teenage driver for negligence in operating the vehicle and initially sued the driver's parents, as owners of the vehicle, for negligent entrustment. Claims against the parents were later dismissed. The defendant driver conceded liability for the collision, and the trial proceeded solely on the issue of damages. The plaintiff sought over $812,000, including significant damages for loss of earning capacity, past and future mental anguish, and physical pain and impairment. An economist expert for the plaintiff testified to over $600,000 in lost earning capacity. The defense acknowledged soft-tissue injuries but disputed the severity and causation of the alleged traumatic brain injury. Defense counsel highlighted that the plaintiff initially denied injury at the scene, did not report head injury complaints for several months, and underwent neurological and neuropsychological testing that was largely normal. A defense neurology expert opined that memory and cognitive complaints were not caused by the accident, while a defense economics expert challenged the plaintiff's methodology for lost earning capacity. The defense also noted the plaintiff had not sought treatment for more than three years prior to trial. After a three-day trial, the jury deliberated for three hours and returned a verdict, awarding the plaintiff $22,000. However, the parties had previously entered a high-low agreement, setting parameters between $50,000 and $450,000. Pursuant to this agreement, the plaintiff recovered $50,000.
On December 11, 2017, a vehicle carrying two plaintiffs, a driver and a front-seat passenger, was struck from behind on Interstate 380 in Collin County, Texas. The plaintiffs subsequently sued the driver of the trailing vehicle, alleging negligence in the operation of her vehicle. The defendant driver conceded liability for the collision, and the trial proceeded solely on the issues of the plaintiffs' injuries and damages. Both plaintiffs claimed neck and back disc herniations, sought emergency room treatment, underwent chiropractic care, and reported residual pain and limitations in daily activities. They sought to recover damages for past and future medical costs, past and future pain and suffering, and past and future physical impairment. Following a three-day trial, a jury deliberated for two hours before awarding the driver plaintiff $25,016 in damages and the passenger plaintiff $25,273 in damages. The total award was $50,289.
One driver was stopped at a red light when the other driver rear-ended their vehicle. The driver who was rear-ended claimed injuries to their neck and lower back. The other driver argued they were not negligent and that the impact was minor. The jury found the driver who caused the collision not liable.
Explore More Cases Like This
Browse similar cases by injury type and location to get a better understanding of case values in your area.