QR Legal argument by Joyce Novotny-Prettiman doubles recovery for auto injury!
QuatriniRafferty Attorney, Joyce Novotny-Prettiman, secured payment of stacked (multiple vehicles on the policy) underinsured motorist (UIM) coverage for our client who was seriously injured in a motor vehicle crash on Route 28 in Armstrong County, Pennsylvania. The at-fault driver was driving under the influence of drugs and rear-ended client’s pick-up truck at a high rate of speed causing the pick-up truck to skid across the highway and overturn. Our client suffered a deep laceration of his left hand, multiple injuries, contusions and abrasions as well as neck pain which radiated down to his forearm. Conservative treatment resolved many of the injuries, but failed to relieve our client’s neck pain. An MRI revealed a disc herniation at C4-5. Our client underwent an anterior cervical discectomy and fusion. Joyce secured the policy limits from the at-fault driver, but that amount of money was not enough to fully compensate for our client’s injuries. Consequently, Joyce filed a claim for Underinsurance (UIM) on our client’s auto policy. The UIM limit was $50,000.00. But, there were two vehicles on the policy. The UIM coverage was $50,000 per vehicle; however, the paperwork showed that the UIM coverage was not “stacked.” (added together). Pennsylvania law requires the policy holder to sign a waiver to reject stacked UIM coverage. Joyce was able to show that the UIM wavier was not dated – making the waiver invalid! The end of the story – Joyce obtained $50,000.00 per car, or $100,000 of UIM benefits, thus doubling the recovery. (Since our client sustained serious injuries, Joyce consulted the QR Social Security Disability team, too.) Needless to say, the additional $50,000.00 was a huge financial help to our client. Success found! Bravo Joyce!