John was rear-ended in a motor vehicle accident last August. He reported to the emergency room who diagnosed him with a concussion, acute cervical strain and a left knee contusion. Days after the accident, he received a letter in the mail from the insurance company of the man who slammed into him. They were “investigating” the accident. After it became clear that the accident was not John’s fault, an insurance adjustor contacted John and offered him $1500 to settle his personal injury claim. John accepted.

A few weeks later, John began to experience severe headaches. He went to a neurologist who diagnosed him with post-concussive syndrome related to the accident. These headaches continued unremitted for two years significantly impacting John’s quality of life. John missed so much work because of the headaches that he was eventually fired. He lost nearly $24,000 in lost wages. He had to struggle with unemployment for nearly six months before finding another position where he had no choice but to suffer through the work day with debilitating headaches.

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