Attorney Kayla Bramble Toal's Legal Cases

Motorcycle accident

Full Policy Limits Recovered on Catastrophic Underinsured Auto vs. Motorcycle Injury

N/A

OUTCOME: $1,275,000 + ongoing worker's compensation payments

Representation of a motorcyclist who sustained life-threatening injuries after being rear-ended at a high rate of speed while working. The at-fault driver carried only Washington’s minimum liability li ... mits. Despite the limited third-party coverage, I identified and secured all additional available insurance benefits, including the client’s personal UIM policy, the employer’s UIM coverage, and negotiated ongoing worker's compensation medical payments for a total settlement payout of over $1,275,000. Through strategic coordination and negotiation with multiple insurers, I achieved a full recovery of all applicable policy limits.

Car accident

$450,000 Payout on Rear-End Collision Aggravating Preexisting Spinal Injuries – Full Policy Limits Recovered

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OUTCOME: $450,000

Represented a client injured in a low-speed rear-end crash that aggravated preexisting cervical degenerative disc disease. Injuries included cervical, thoracic, and lumbar sprain-strain, whiplash, and ... worsening of neck pain resulting in radiofrequency nerve ablations. Despite minimal property damage and a defense focused on preexisting conditions, I successfully demonstrated causation and medical necessity for ongoing treatment. After a low arbitration award of $20,000, I pursued all available coverage and secured maximum payouts under the third-party, UIM, and PIP policies.

Car accident

Full Policy Limits Secured After Reversing Initial Claim Denial for Unhoused Crash Victim with Liver Injuries

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OUTCOME: $25,000 - Maximum Recovery Available

Represented a client experiencing homelessness who was living in her vehicle with her cat when it was destroyed in a crash caused by an underinsured driver. She was hospitalized with symptoms later dia ... gnosed as liver lacerations, leading to a near-death experience. The insurance company initially denied the claim, attributing her liver damage to preexisting conditions unrelated to the crash. Prior attorneys had withdrawn, and the client had nearly given up hope until I took the case. I was able to prepare a compelling demand attributing the liver failure to the car accident that the adjuster had overlooked, successfully establishing clear causation between the crash and her liver trauma. While my client would have been entitled to more had the other party had additional insurance/assets or if my client would have had Underinsured Motorist Coverage, I successfully secured a full third-party policy limits payout. The client, upon learning the outcome, cried with relief and shared that the recovery would change her life.

Car accident

$360,000 Payout - Traumatic Brain Injury in Teen after Car Accident - Maximum Recovery Available

N/A

OUTCOME: $360,000

I represented a 16-year-old who was rear-ended at a high rate of speed, causing his vehicle to fold in half and the rear windows to shatter from the force of the crash. He sustained cervical and lumbar ... sprain-strain injuries, along with a traumatic brain injury and concussion that significantly impacted his academic performance and disrupted his plans for college. The third-party insurer initially denied the brain injury was related to the collision, despite clear changes in cognitive ability, mood, and academic function following the crash. I built a strong case using medical records, expert input, and school performance documentation to establish causation. On the eve of trial, the insurer reversed its position and agreed to pay the full third-party policy limits, in addition to my client’s UIM coverage and vehicle property damage.

Insurance

$75,000 Auto Property Claim – Reversal of Bad Faith Denial on Loss of Use & Diminished Value of Vehicle

N/A

OUTCOME: $75,000

My client's luxury vehicle with fewer than 10,000 miles, sustained significant damage in a collision. The vehicle was placed in an insurer's guaranteed repair network shop, where it remained for over s ... ix months. The insurance company initially denied both the diminished value and loss of use claims, despite clear evidence of long-term depreciation and the client’s inability to access a comparable replacement vehicle during the extended repair period. Loss of use damages totaled approximately $50,000, and the vehicle’s diminished value was estimated at $25,000. I filed suit and presented a clear case for first-party bad faith, arguing that the insurance company's refusal to pay was unreasonable, unsupported by policy language, and inconsistent with Washington law. After litigation pressure and detailed evidence of unfair claims practices, the insurance company reversed its denial and paid the full $75,000 demand in response to the bad faith exposure.

Personal injury

$125,000 Settlement from Initial Lowball Offer of $16K – Minor Hit by Falling Equipment, Ongoing TBI Symptoms in Premises Case

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OUTCOME: $125,000

My 16-year-old client was injured in a premises liability, pursued with the help of his caring mother, after unsafe equipment fell and struck him in the head, causing a deep gash that required staples. ... The nature and extent of my client's injuries were initially disputed by the insurance company, starting with an initial offer of just $16,000,. Despite the low offer, I advised my client to stay the course, recognizing this case had deeper value. Emphasizing the horrifying nature of the facts, public image risks for the negligent company, and my client's ongoing symptoms consistent with a traumatic brain injury, I successfully leveraged these factors into meaningful settlement value, ultimately securing a $125,000 payout—nearly eight times the original offer. This case is a clear example of how knowing when not to walk away, and how to strategically present risk, can lead to life-changing results.

Kayla Bramble Toal's Legal Cases (6)

Full Policy Limits Recovered on Catastrophic Underinsured Auto vs. Motorcycle Injury

$450,000 Payout on Rear-End Collision Aggravating Preexisting Spinal Injuries – Full Policy Limits Recovered

Full Policy Limits Secured After Reversing Initial Claim Denial for Unhoused Crash Victim with Liver Injuries

$360,000 Payout - Traumatic Brain Injury in Teen after Car Accident - Maximum Recovery Available

$75,000 Auto Property Claim – Reversal of Bad Faith Denial on Loss of Use & Diminished Value of Vehicle

$125,000 Settlement from Initial Lowball Offer of $16K – Minor Hit by Falling Equipment, Ongoing TBI Symptoms in Premises Case