Jared, who was only 22 years old, had episodic low back pain due to a spine condition called Spondylolisthesis that developed during child hood. This condition predisposed Jared to suffer low back pain and complications if exposed to trauma. Unfortunately, that is what happened when a car ran a stop sign and broadsided his car on a Dunellon side street. The impact ultimately lead to major medical complications and a complex surgery to stabilize the affected areas of his spine. The adverse drivers insurance carrier tendered their policy limits but Jared's auto insurer refused to pay its underinsured motorist limits claiming that the condition was pre-existing. After medical expert analysis was obtained and provided to the insurance company, a settlement was reached for the $300,000 uninsured motorist policy limits.