$100,000 Maximum Policy Limit Settlement: TBI & Severe Auto Accident in Elburn, Illinois
Author Dixon Law OfficePosted on Categories Auto Crashes, brain injury, Personal Injury, Uninsured and Underinsured Motorist Coverage Location: Kesslinger Road and Route 47 (Main Street) in Elburn, Kane County, Illinois
Total Settlement: $100,000.00 (Maximum Available Policy Limits Exhausted)
The Accident: Red Light Collision in Kane County
On Wednesday, November 23, 2022, at approximately 6:30 AM, our client was involved in a devastating collision at the intersection of Kesslinger Road and Route 47 (Main Street) in Elburn, Illinois. Our client was driving eastbound on Kesslinger Road when the defendant driver negligently ran a red light, violently striking our client’s vehicle.
Following the crash, our client was immediately transported by ambulance to Delnor Hospital. Due to the severe, life-threatening nature of his head trauma and fractures, he was subsequently transferred to Loyola University Medical Center for specialized trauma care.
Catastrophic Injuries & Extensive Medical Treatment
The impact of the collision left our client permanently disabled. He suffered a traumatic brain injury (TBI) alongside multiple severe fractures that required intensive surgical intervention, including an Open Reduction Internal Fixation (ORIF) surgery on December 2, 2022, to implant a plate and 12 screws into his right clavicle.
His catastrophic injuries included:
- Traumatic Brain Injuries (TBI): Severe closed head injury, skull fracture, epidural hematoma, inferior temporal sub-dural hematoma, parafalcine sub-dural hematoma, left sylvian cistern subarachnoid hemorrhage, left prepontine cistern subarachnoid hemorrhage, and brain bleed.
- Severe Facial & Cranial Trauma: Sphenoid bone fracture, facial fractures, facial palsy, and severe, ongoing double vision.
- Orthopedic Injuries: Right clavicle fracture requiring ORIF surgery and multiple fractured ribs.
- Long-Term Complications: Ongoing neurologic issues affecting his eyesight, slurred speech, severe numbness, and permanent disability requiring the use of a cane to walk.
Strategic Legal Recovery: Exhausting All Available Insurance Policies
When a negligent driver causes catastrophic injuries but lacks sufficient insurance coverage, an experienced personal injury attorney must look for every available avenue for compensation. In this case, our legal team successfully navigated a two-phase settlement process to secure the absolute maximum compensation available under all applicable insurance policies.
Settlement Breakdown:
- Phase 1 (Liability Claim): We secured the maximum policy limit of $50,000.00 from the at-fault defendant’s auto insurance policy with Allstate.
- Phase 2 (Underinsured Motorist Claim): Because the defendant’s coverage was grossly insufficient to cover our client’s immense medical bills and lifelong disability, we aggressively pursued an Underinsured Motorist (UIM) claim through our client’s own insurance provider, USAA General Indemnity Company. We successfully recovered the remaining $50,000.00 available under his $100,000 total UIM policy.
Result: A combined total settlement of $100,000.00, representing a complete exhaustion of all available liability and underinsured motorist limits.
Injured in a Kane County Car Accident? We Can Help. Severe accidents require aggressive legal representation, especially when dealing with complex insurance policies. If you or a loved one has suffered catastrophic injuries due to a negligent driver in Elburn, Kane County, or the surrounding areas, don’t face the insurance companies alone. Contact our legal team today for a free, no-obligation consultation to discuss your case and learn how we can fight to maximize your compensation.
Here are the links for Google maps for the intersection, Delnor and Loyola: