Apex Law Secures $10,000 Above Auto Insurance Policy Limits

Attorney Neil Fulsang of Apex Law secured $10,000 above the at-fault driver’s $25,000 liability policy limit, bringing our client’s combined bodily-injury settlement to $35,000. The recovery included the full $25,000 liability limit plus a separate $10,000 settlement with the client’s own insurer. Property damage was handled separately and is not included in that figure.

The result followed a detailed demand package, a filed lawsuit, and continued work on coverage and settlement terms. Here is a look at the work behind the result, with identifying information removed.

The crash and its aftermath

According to our client’s account, an approaching vehicle crossed into his lane on a curved, hilly dirt road and struck his vehicle head-on. His pain worsened during the day, and he sought emergency care that evening. The demand tied that account to the contemporaneous treatment records and explained how the collision affected his recovery and everyday life.

A claim needs a clear explanation of both responsibility and harm. Our demand distinguished the client’s account from medical findings and documented expenses, and kept this crash separate from an earlier, unrelated collision.

Following the coverage evidence

The correspondence contained inconsistent references to claims, insureds, and coverage. Apex requested the underlying policy information and pressed the insurers to identify the coverage that actually applied to this collision. The demand organized the correspondence, medical records, billed expenses, and supporting exhibits so the adjusters could evaluate the claim against a defined record.

Progressive ultimately confirmed applicable bodily-injury liability limits of $25,000 per person and offered that full amount. The check below reflects that portion of the settlement.

Redacted image of the $25,000 liability settlement check. Personal identifiers and payment-security information have been concealed. This check represents one part of the combined settlement.

Filing suit and keeping the claim moving

Attorney Neil Fulsang also filed a civil action against the other driver. The renewed demand identified the pending action and included the filing confirmation among its supporting exhibits. Preparing the claim for litigation meant organizing the factual allegations, identifying the claimed damages, and backing the settlement presentation with records.

$10,000 above the liability policy limits

A $10,000 offer is only additional value if its terms allow the client to keep it alongside the liability settlement. Apex sought written clarification of how State Farm’s payment would interact with Progressive’s $25,000 payment.

In its final written response, State Farm consented to the Progressive policy-limits settlement, stated that it did not intend to pursue subrogation against Progressive or its insured for State Farm’s payments, and said it would not require a release for its claim. It then confirmed issuance of the $10,000 settlement check.

The combined gross settlement was therefore $35,000: $25,000 in liability policy limits plus $10,000 from a separate insurer. The recovery exceeded the other driver’s per-person liability limit by $10,000. That describes the combined result; it does not mean Progressive paid more than its policy limit or that a court entered an excess judgment.

The work behind the result - Auto Insurance Claims

This matter shows the value of a documented demand, careful coverage review, litigation preparation, and attention to the final settlement terms. Apex’s work included an organized exhibit package, a visual explanation of the collision, a court filing, policy requests, and follow-up on how the two insurers’ payments fit together.

For someone dealing with a crash claim, the amount of an initial offer is only one part of the picture. The supporting evidence, available coverage, and terms attached to payment all deserve close attention.

To discuss a potential injury claim with Apex Law, call (256) 203-4290 or email neil@apexlawal.com.

Past results do not guarantee a similar outcome. Every case depends on its facts, evidence, coverage, and applicable law. Auto Insurance claims vary widely based on the facts of each case.