$100,000 Policy-Limits Settlement for Rear-End Collision in Gladstone, Missouri
This motor vehicle collision occurred in May 2024 in Gladstone, Missouri. Our client was stopped when she was rear-ended by another driver.
Liability and Insurance Coverage
The at-fault driver was insured by Nationwide General Insurance Company with $100,000 bodily-injury policy limits. Liability for the rear-end collision was not disputed.
Injuries and Medical Treatment
As a result of the crash, our client sustained significant head, neck, shoulder, back, and knee injuries, including cervical disc displacement with radiculopathy. She was transported from the scene by EMS and treated in the emergency department at North Kansas City Hospital.
Her treatment extended over several months and included:
- Emergency care immediately following the collision
- Advanced rehabilitative and chiropractic treatment
- Diagnostic imaging, including MRI studies
- Physical therapy
- A cervical interlaminar epidural steroid injection at C7–T1 under fluoroscopic guidance, reflecting the seriousness and persistence of her cervical spine symptoms
Medical care continued through late 2024, with total billed charges exceeding $37,000.
Insurance Negotiations and Resolution
Foster Wallace Personal Injury Lawyers presented a comprehensive demand documenting the collision, medical treatment, imaging findings, and interventional spine care. The insurer initially responded with offers that did not fairly account for the extent of the injuries.
Foster Wallace then issued a 90-day policy-limits demand pursuant to Missouri law. Following continued negotiation and evaluation, Nationwide agreed to pay the full $100,000 policy limits, which were accepted in May 2025.
Medical Liens and Outcome
Multiple medical providers asserted liens as part of the case. Foster Wallace successfully negotiated substantial lien reductions, including reductions of approximately 30% on major provider balances, helping protect the client’s recovery.
The case resolved without litigation, allowing the client to receive compensation efficiently while ensuring that medical expenses and lien issues were fully addressed.
