Cagle Law Firm

R.R. v. American Family Insurance


Plaintiff was hit by a car that left the site of the crash and which could not be identified through investigation. As a result of the crash, Plaintiff received injuries to her abdomen, left hand, left wrist, right shoulder, and right leg. While Plaintiff could not identify the responsible individual, she obtained a policy limits settlement from her insurance company pursuant to her uninsured motorist provision.

Motorcycle Accident Policy Limits Settlement

St. Louis County Motorcycle Accident

Plaintiff was a passenger on a motorcycle owned and operated by the Defendant. Plaintiff alleged that the Defendant was negligent when he ran off the roadway near O’Fallon, Missouri. In addition, Plaintiff alleged that Defendant was driving the motorcycle in an intoxicated condition at the time of the crash and thus is negligent per se under Missouri law.

Plaintiff alleged serious injuries to her knee, arm, shoulder, legs, and back which required her to be hospitalized and undergo several operations. Plaintiff also alleged serious and permanent scars to various parts of her body and lost wages as a result of the alleged negligent operation of the motorcycle. Prior to trial the parties reached a settlement for the Defendant’s applicable insurance policy limits.

St. Francois County Car Accident


Plaintiff was rear-ended by the Defendant near Bonne Terre, Missouri. Plaintiff alleged back injuries, including disc ruptures at L3-L4; L4-L5; and L5-S1; anxiety; and depression as a result of the car crash. In addition, Plaintiff claimed past and future loss wages as a result of the car crash.

Plaintiff alleged Defendant was negligent in rear-ending Plaintiff’s car; driving too close to Plaintiff’s car; and operating the car at an excessive speed immediately prior to the crash. The Defendant’s insurance carrier alleged that Plaintiff was negligent and contributed to the crash by stopping his car suddenly immediately prior to the crash. Also, Defendant’s insurance company alleged that because of the minimal damage to the cars Plaintiff’s back injuries could not have been caused by the crash. Prior to trial, however, the Defendant’s insurance company agreed to pay Plaintiff its policy limits.

St. Charles County Car Crash Settlement


Plaintiff was struck by the Defendant’s car near St. Charles, Missouri. Defendant was a resident of the State of Florida and in the St. Louis area for business. After being rear-ended by Defendant’s car, the Plaintiff’s car was pushed into the car in front of her. Plaintiff alleged lost wages and injuries to her neck as a result of the car crash.

Defendant’s insurance company originally denied Plaintiff’s claim because of an alleged preexisting condition to Plaintiff’s neck. However, prior to trial Defendant’s insurance company agreed to pay its policy limits for Plaintiff’s claims.

$645K Truck Crash Settlement-Confidential


Plaintiff alleged while traveling on MO HWY 100 (Manchester Road) in St. Louis County, Missouri;  a trash truck being operated by the Defendant’s employee switched lanes improperly crashing into his car.

Defendant’s employee and driver of the trash truck denied crashing into Plaintiff’s car. Thus, Defendant denied liability relating to the crash based upon the truck driver’s testimony.

Plaintiff alleged injuries to his back and neck as a result of the crash with the truck. Plaintiff was forced to undergo surgery to correct injuries to his cervical discs which he claimed resulted from the crash. Prior to trial, Plaintiff’s treating physician testified that he would need additional medical every treatment yearly for the remainder of his life. Therefore, Plaintiff sought compensation for past medical treatment received and for medical treatment he would need in the future as a result of the truck crash.

Plaintiff’s counsel’s investigation revealed witnesses to the truck crash that had not been listed on the police report. The witnesses testified that the truck improperly switched lanes and crashed into Plaintiff’s car. While Defendant originally denied Plaintiff’s claims, the parties reached a settlement of $645,000 the morning of trial.