A company failed to have workers’ compensation insurance for its employees who were involved in an auto accident. However, the company’s owner titled the truck the employees were riding in his name. A young man speeding in his father’s Corvette hit the truck and injured our client. Our client suffered multiple broken bones requiring surgery. The young man’s father had a $100,000 insurance policy and our client had $10,000 in underinsured motorist coverage. Rather than accept those policies, we looked for additional coverage. The insurer of the truck our client was injured in failed to have a proper rejection form for uninsured motorist coverage. Therefore, we were able to get another $100,000 from the truck’s insurance.
We also learned the young man’s parents were divorced and he lived half of the year with each parent, so we recovered another $100,000 from the young man’s mother’s insurance policy. We also required financial affidavits from the young man’s parents and discovered the father was a high wage earner. We were able to recover another $35,000 personally from the young man’s father. Our client’s medical bills would have taken almost all of the $110,000 in initial coverage. By being patient and looking for additional coverage and assets, we were able to more than triple the client’s recovery and help him get through his injuries despite his employer not having workers’ compensation insurance.