…A 55-year-old woman had neck surgery after the car she was riding in was rear-ended. The pre-existing arthritis in her neck was aggravated by the car crash, causing severe pain and endangering her spinal cord. A settlement was made with the other driver’s insurance company for the limits of his insurance policy. When the woman’s own insurance company refused to make a fair settlement of her underinsured motorist claim, three arbitrators awarded her substantially more than she had requested.
