Dawn Ellis v. Earl Coombs and The Concord Group Insurance Companies

Lars A. Lundeen

Case Conclusion Date:September 4, 2008

Practice Area:Personal Injury

Outcome:Confid. Settlement for Policy Limits for Pl.

Description:Ms. Ellis, a VT resident, was a passenger in a car which struck a rock ledge when Mr. Coombs negligently ran his car off the road in New York State, just over the VT border. New York's threshold for serious injury pain and suffering recovery under their no fault statute was met and Mr. Coombs' carrier paid his liability policy limit and the coverage available under his Personal Injury Protection (PIP) coverage. Our office then turned our attention to collecting all of the Underinsured Motorist Insurance (UIM) coverage available to Ms. Ellis under 3 separate Concord policies issued to Ms. Ellis, her sister, and her father, all of whom lived together in the same household. Ms. Ellis had extensive medical bills and a serious leg fracture and other injuries which hampered her return to work as a waitress/bartender. Using her treating doctors, educational testing, a functional capacity evaluation, a vocational expert and an expert economist, our office was able to demonstrate the true extent of Ms. Ellis' losses and obtained the available limit payments from all 3 Concord UIM policies for her.

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