I have a serious injury case with GEICO. Unfortunately, GEICO only has a $100,000/$300,000 policy and no underinsured coverage (and no evidence the defendant has meaningful assets). GEICO did the right thing and offered up the policy. It is a shame but that is the way it is in many car accident cases in Maryland. Your accident claim is only as good as the defendant's ability to pay and the insurance limits in the case. The best lawyer in the world can't change that.
The plaintiff is a mom who had her young son in the car with her. The boy received treatment for minor injuries but he suffered a great deal of trauma from witnessing what his mother endured. The son is fine now and his mom is grateful. The client demanded $4,000 to settle her son's claim.
This was first relayed to the GEICO rep by one of the paralegals as an aside to her calling to accept the policy limit's offer for the child's mother. The GEICO adjuster berated the paralegal, explaining Maryland law and how judges and juries operate in Maryland. I called him today. Fighting hard for you, my readers, I repeatedly sought permission to record the call. They state they are recording our calls for "quality assurance", yet the adjuster specifically denied this. Alas, I could not get any such permission.