Triple the offer from a No, Bad and Greedy Insurance Company – Part 2

By David V. Diggs

Editor’s Note: Names and comments have been changed to maintain privacy.

Annika Strandhed – a nod to the PBS series “Annika” – suffered a traumatic injury in a rear-end car collision that occurred in Odenton, Maryland, in 2017.

On a sunny and dry Friday afternoon, as the hour went down, Strandhd was waiting three cars in front of him to clear a circle of cars when he was hit from behind. There seems to be no warning, no horn, no stopping of the cry. His body was pushed forward, and his head hit the steering wheel.

Saint was dizzy, trembling and confused. He was afraid of falling, so he sat in his car. He was unhappy and alone. His wife had recently died, so he called a lifelong friend who drove to help Strandhed.

The next day, Strandhed saw his doctor. He had two head MRIs, both of which were negative for anatomical and anatomical abnormalities. He spent about $2,400 in medical expenses. Since he was retired, there was no lost wages.

During the 12 months of recovery, Strandhd experienced headaches, nausea, dizziness, difficulty concentrating, and noise and light. He had a permanent lump above his left eyebrow.

Strandhed hired us a month before the November 2020 statute of limitations. The at-fault driver, 18-year-old Popeye Jones, was driving an SUV that insurance. We knew the insurer would refuse to negotiate unless we filed suit immediately. We did it at the height of the COVID-19 pandemic when civil courts were virtually suspended.

We compiled medical records, emergency reports and other relevant data. After talking with Strandhed, we valued the case at $20,000. Evaluating injury information is more art than science. We knew our client would make an excellent testimony. It was difficult for him to recover, and the knot on his forehead was like a plumb line.

We wrote to the insurance company, and offered to pay $29,000, slightly higher than our original price. After 18 months of unreturned calls and two months before the hearing, I finally heard from the insurance adjuster. The adjuster disagreed with our price and offered $1,500 for Strandhed’s problems.

One month before the trial, the insurance company’s lawyer called to raise the offer to $6,000. I discussed the offer with Strandhd. It was less than reasonable, but we finally decided to see if they would agree to $15,000. The insurer refused. The case will proceed.

After being delayed twice due to illness, the trial was held last year before the district court. The skin was hard and tender. The woman said that for one year she suffered from dizziness, headaches and difficulty thinking. Had it not been for the accident, he would not have had to endure the hardships of the road to recovery, the interruption of his habits or the knot on his forehead. We requested $27,500 in closing arguments. The judge awarded $20,000, which is the price we set two years ago.

The moral of the story is that injured drivers should not accept low offers from insurance companies. People can go to court and have a judge or jury properly assess their losses.

If you or someone you love has been injured in a car accident, you should consult with an attorney who is familiar with personal injury law and will help to you in making informed decisions. David Diggs is experienced in negotiating and litigating against insurance companies. He has recovered millions of dollars on behalf of victims. If you need more information about this topic, get in touch The Law Offices of David V. Diggs LLC, located at 8684 Veterans Highway, Suite 302, in Millersville, by phone at 410-244-1189 or by email

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