$75K “Stacked” Uninsured Motorist Settlement

Our client was devastated when she was rear-ended at a high rate of speed by an uninsured driver. She sustained serious injuries, including a concussion, lumbar disc bulge, annular tear, and neck sprain, incurring over $23K in medical bills.

When she looked at her policy declarations page, she was dismayed to see that her own policy only provided $25K in uninsured motorist coverage.

She initially retained counsel other than Burger Law, who demanded $25K to settle her case, believing that was all the coverage available. In response, Progressive offered her just over $10K.

At that point, her attorney referred the case to Burger Law so that we could file suit.

Upon receipt of the file, Genavieve immediately reviewed the client’s insurance policy to see if there were multiple insured vehicles listed. She did this because she knows that in uninsured motorist cases, such as this one, the limits of liability for every insured vehicle on the policy can be “stacked,” or added together.

Here, our client had three vehicles insured by Progressive, so instead of only having $25K in coverage, she actually had 3x that, or $75K available.

Before immediately filing suit, Genavieve and her paralegal Laura decided to prepare a thorough settlement demand letter seeking the $75K policy limits. Genavieve and Laura take pride in their settlement demand letters, trying to make each one a “masterpiece,” as they like to say.

They highlight the strengths of each case and focus on how their clients have been uniquely affected by the negative impacts of the accident and injury. They also specialize in handling cases involving head injuries and post-concussion syndrome, citing research from scientific journals that details the long-term consequences of concussions.

In less than two months, without any further negotiation, Progressive offered the $75K stacked policy limits. Our client obtained 4x the amount of money in her pocket than she would have if Progressive had accepted her former lawyer’s $25K demand. Our client was thrilled with the result.

It’s worth noting that even the greatest lawyers on the planet can miss some small details here and there, but those details can have a great impact. That’s why we always work on every case as a team, and are more than happy to accept referrals and collaborations!

Burger Law truly appreciates the referral from her former attorney, and we’re always happy to take over tough cases.

Gary Burger

Founder | Injury Attorney
Gary Burger has dedicated his career to standing up against bullies. The founder and principal attorney of Burger Law | St. Louis Personal Injury Lawyer has helped hundreds of Missouri and Illinois individuals and families recover th …
Years of experience: 30 years
Location: St. Louis, MO

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