Marta C., a 43 year old single mom and part time housekeeper from Columbia, was rear-ended by an SUV leaving little damage to her car and none to the Defendant's vehicle. However, her persistent cervical pain following the crash led to epidurals and eventually surgery. The typical defenses of minimal property damage and preexisting cervical degeneration were raised after litigation commenced following a pre-suit offer of $7,500.00. A demand for judgment for $250,000 was ignored. After depositions of the defense doctors went badly for the Defense, the insurer settled the case before trial for $400,000.00.