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Demand Readiness
Case Evaluation Memorandum
Prepared for Patrick, Esq. · June 2026 · Bills and lien review in progress; demand not yet sent.
Maria Lopez: Auto Collision in Davidson County, TN. On March 12, 2026, the defendant rear-ended Ms. Lopez while she was stopped in traffic on I-40 in Nashville, Davidson County. Known specials ($38,420) are approaching the $50K per-person limit: evaluate a policy-limits posture as bills finalize.
On March 12, 2026, the defendant rear-ended Ms. Lopez while she was stopped in traffic on I-40 in Nashville, Davidson County. The investigating officer cited David Chen for following too closely. Two independent witnesses reported that Mr. Chen failed to slow before impact. This demand is directed to State Farm as Mr. Chen’s liability carrier under a $50,000 per-person bodily-injury limit. Ms. Lopez also carries $50,000 in stacked UM/UIM. We are placing State Farm on notice of that coverage and will preserve it. A stopped vehicle on I-40 is not a close liability question. The citation, the witness accounts, and the rear-end mechanism are the liability record. We are asking State Farm to adjust the crash its insured caused.
Specials of $38,420 against a $50,000 per-person limit. Soft-tissue-plus injuries with injection therapy support a value that likely reaches the policy limit; UM/UIM may be available above it.
Finalize the bills and lien reconciliation, then send a demand positioned at or near the $50,000 limit. Preserve and evaluate the stacked UM/UIM coverage in case value exceeds the at-fault limit.