WINNING A CASE WITH STACKED UIM COVERAGE FROM $75,000 TO $125,000
Overcoming Obstacles The case wasn’t straightforward. Although Charlie had recently moved in with his parents, he owned a separate house listed as his residence on the crash report. We needed to prove that he intended to live with his parents as a family member rather than as a visitor or tenant. Using affidavits from his parents’ neighbor and a close family friend, we provided evidence that Charlie had fully integrated into his parents’ household. He paid no rent, kept his belongings there, received mail at their address, and shared insurance coverage. His own house was maintained, but only for occasional visits and future rental plans. Success Through Perseverance Charlie’s insurance company initially resisted, but ultimately accepted his testimony and our evidence. This resulted in a successful increase from $25,000 to $75,000 under his parents’ policy, raising his total available insurance to $125,000. Thanks to Charlie’s openness and our firm’s diligence, we achieved the best possible outcome, ensuring he received the coverage he deserved.
This case outlines the value of underinsured motorist coverage (UIM) and, more importantly, the potential impact of a benefit called stacking. This feature became crucial for our client, Charlie, who suffered severe injuries in a crash caused by a drunk driver on I-85 near Duncan. When new information came to light, our firm acted quickly to increase his compensation significantly. The Accident Charlie was driving his parents’ car home to Duncan after a night out in Greenville. On I-85, a drunk driver exited the ramp in the wrong direction at high speed, colliding head-on with Charlie, who had no time to avoid impact. The crash broke both of Charlie’s ankles, his left foot, and his right heel, requiring immediate surgery. Initial Insurance Coverage At first, the available insurance seemed inadequate. The drunk driver carried only $50,000 in liability coverage — barely enough for Charlie’s hospitalization. Charlie’s parents had $25,000 in UIM on the car he drove, offering minimal additional support. It looked like Charlie would only receive $75,000, far short of what he needed. But then, Charlie revealed an essential fact that changed everything. New Information — New Options During a conversation, Charlie mentioned he was living with his parents at the time of the accident. Legally, this made him a “resident relative” under his parents’ insurance, allowing him to stack UIM from their other vehicles, potentially adding $50,000 to his coverage.
*Past outcomes don’t guarantee future results. Every case is different, and all cases depend on unique facts and laws.
One-Pot Chicken Noodle Soup
“If you forgive those who sin against you, your Heavenly Father will forgive you. But if you refuse to forgive others, your Father will not forgive your sins.” –Matthew 6:14-15 “Master, how many times do I forgive a brother or sister who hurts me? Seven?” Jesus replied, “Seven! Hardly. Try seventy times seven.” –Matthew 18:21-22, The Message Good News
Ingredients
• 2 1/2 lbs skinless, bone-in chicken thighs • 1 tsp salt • 1 tsp pepper • 2 tbsp olive oil • 1 large onion, chopped • 3 garlic cloves, minced • 10 cups chicken broth
• 4 celery ribs, chopped • 4 medium carrots, chopped • 2 bay leaves • 1 tsp dried thyme • 3 cups uncooked egg noodles (about 8 oz) • 1 tbsp chopped fresh parsley • 1 tbsp lemon juice
Directions 1. Season chicken with salt and pepper. In an 8-quart stockpot over medium-high heat, add oil and chicken and cook until golden brown, 3–4 minutes. Remove chicken and set aside. 2. Add onion to drippings; cook over medium-high heat for 4–5 minutes. Add garlic and cook for 1 minute. Add broth and bring to a boil. Return chicken to pot. Add celery, carrots, bay leaves, and thyme. Reduce heat and cover; simmer until chicken is tender, 25–30 minutes. 3. Turn off heat. Remove chicken to a plate. Add noodles and let stand, covered, until noodles are tender, 20–22 minutes. 4. Shred chicken meat into bite-size pieces, and return to pot. Stir in parsley and lemon juice, and discard bay leaves.
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