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Case Evaluation Memorandum

Ray Carter v. Torres

Prepared for Patrick, Esq. · June 2026 · In active negotiation; $72,000 offer on the table.

Preliminary internal work product assembled from the case file to support attorney evaluation. Not a settlement valuation, not legal advice, and not for transmission. Attorney judgment required.

Executive Summary

Ray Carter: Auto Collision in Knox County, TN. On December 9, 2025, Mr. Torres crossed the center line and struck Mr. Carter head-on. A surgical lumbar case with specials at $54,200 and a $72,000 offer on the table. The objective MRI and surgical recommendation support a counter toward the $100K limit.

Liability Assessment

Liability: Strong

On December 9, 2025, Mr. Torres crossed the center line and struck Mr. Carter head-on. The investigating officer assigned sole fault to Mr. Torres. Liability is not in dispute.

Preliminary Valuation

$95,000 – $100,000

Uncontested liability, an objective L4-L5 herniation with a surgical recommendation, and $54,200 in specials against a $100,000 limit. The current $72,000 offer is below value; the case justifies a counter toward the limit.

Damages Model

Medical specials (documented)4 providers

$54,200

General damages (pain & suffering)Preliminary; supported by objective findings

$40,800 – $45,800

Policy limitsGEICO

$100,000 BI

Status

$72,000

Strengths

Liability is well supported by the file.

Objective imaging corroborates the reported injuries.

8 of 8 workup items are complete.

Risks & Open Issues

Prior 2023 lumbar care noted in history.

Recommendation

Reject the $72,000 offer and counter toward the $100,000 limit, anchored on the surgical recommendation and the objective MRI. Document the causation of the herniation to neutralize the pre-existing-condition argument.

In active negotiation: counter to the $72,000 offer pending

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