Car Accident Settlement

Car Accident Case — $4,700.00 Settlement in Chicago

$4,700.00

Key Takeaways

What Happened

On a Saturday afternoon in September, our client was parked near 7500 S. Cottage Grove Avenue in Chicago when a United States Postal Service (USPS) truck made a left turn within the intersection and struck the rear-left side of our client’s vehicle.

The Injury

Our client sustained cervical, thoracic, and lumbar sprains along with post-concussive headaches. Our client also reported left hip pain and received medical evaluation and physical therapy.

The Insurance Company's First Offer

The lack of an initial offer did not mean USPS had valued the case at $0. Instead, the agency had not yet accepted the administrative claim for review because of the missing information. Until that issue was corrected, our client could not obtain compensation for the documented injuries and medical treatment caused by the collision.

Why That Offer Was Too Low

The lack of an initial offer represented a 100% undervaluation of the case, as the USPS initially refused to even recognize or process the claim because they alleged it lacked a “sum certain” and an original signature. This zero-offer stance completely ignored the fact that the USPS driver had openly admitted to the collision while executing a left-turn maneuver.
The agency’s reluctance to open a claim completely failed to credit our client’s documented physical injuries.

Damages Breakdown

Final Settlement4700

What We Did

Our firm reviewed the collision information, medical records, and medical bills. We identified the federal administrative process that applied because the other vehicle belonged to USPS. We then submitted a completed Standard Form 95 containing the required signature and a specific amount being claimed.
Once the administrative claim was accepted, we presented the medical evidence, addressed the dispute over where our client’s vehicle was parked, and negotiated directly with the agency. The matter settled for $4,700.00 without a lawsuit. We also addressed the outstanding medical liens and bills as part of resolving the case.

Timeline

  1. Accident occurred September 17, 2022
  2. Key treatment began September 26, 2022
  3. Claim opened October 18, 2022
  4. Treatment completed / MMI October 19, 2022
  5. Client hired firm October 28, 2022
  6. Demand sent April 12, 2023
  7. Settlement agreement December 13, 2023

Why This Case Matters

Claims involving federal agencies follow a different process from ordinary insurance claims. Before an injured person can pursue a claim against USPS, the agency must receive an administrative claim containing certain required information. Here, the agency initially declined to open the claim because the submission did not contain a “sum certain” and an original signature.
Our firm corrected those issues by submitting a completed Standard Form 95. We then addressed USPS’s argument that our client had been parked illegally and presented the medical evidence supporting the injuries. This moved the claim forward and resulted in a $4,700.00 settlement without the cost or delay of federal litigation.

The Final Result

$4,700.00

The case settled for $4,700.00 before a lawsuit was filed. By submitting a completed Standard Form 95, our firm moved the claim past the agency’s initial procedural objections and placed it in a position for review and negotiation. The settlement resolved the federal claim without depositions, court proceedings, or a lengthy lawsuit. We also addressed the outstanding medical liens and bills using the settlement proceeds.

About the Attorney

Joseph V. Vito

Joseph V. Vito

Partner | Illinois Personal Injury Attorney

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