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Demand Readiness
Case Evaluation Memorandum
Prepared for Patrick, Esq. · June 2026 · In active negotiation; $72,000 offer on the table.
Ray Carter: Auto Collision in Knox County, TN. On December 9, 2025, Mr. Torres crossed the center line and struck Mr. Carter’s vehicle head-on in Knox County. Lumbar radiculopathy with $54,200 in specials and a $72,000 offer. The proposed counter is $100,000; the microdiscectomy recommendation is conditional on conservative care failing.
On December 9, 2025, Mr. Torres crossed the center line and struck Mr. Carter’s vehicle head-on in Knox County. The investigating officer found Mr. Torres solely at fault. Tennessee law required Mr. Torres to keep to his own side of the road. Tenn. Code Ann. § 55-8-115(a). Crossing the center line into oncoming traffic is negligence per se. Whaley v. Perkins, 197 S.W.3d 665 (Tenn. 2006). Mr. Carter did nothing to contribute to the collision. GEICO has reported a $100,000 per-person bodily-injury limit for Mr. Torres’s policy.
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.
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.