This was a motor vehicle collision that caused a herniation to a lumbar disc. The motor vehicle collision did not cause significant property damage and State Farm Insurance Company refused to offer more than $12,000 prior to trial. Our firm had the frame of our client’s vehicle measured which revealed the force of the impact was more significant than what the exterior damage to the vehicle showed. The jury returned a verdict in excess of State Farm’s insured’s policy limits. State Farm paid the excess verdict to prevent our firm from pursuing the negligent motorist for the amounts over her policy limits.