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Demand Readiness
Case Evaluation Memorandum
Prepared for Patrick, Esq. · June 2026 · Not sent: confirm limits, then evaluate a time-limited demand
Devon Smith: Auto Collision in Davidson County, TN. On February 2, 2026, a Green Courier delivery vehicle rear-ended Mr. Smith while he was stopped at a Nashville intersection. Known specials ($31,000) already exceed the $25K per-person limit. Strong candidate for a time-limited policy-limits demand once records are complete.
On February 2, 2026, a Green Courier delivery vehicle rear-ended Mr. Smith while he was stopped at a Nashville intersection. The investigating officer assigned fault to the Green Courier driver. This draft is directed to Progressive as the liability carrier for Green Courier under a $25,000 per-person bodily-injury limit. Mr. Smith also carries $25,000 in UM/UIM. We are placing Progressive on notice of that coverage and will preserve it. A stopped vehicle struck from behind is not a close liability question. It is a limits question.
Known specials ($31,000) already exceed the $25,000 per-person limit. This is a policy-limits matter; the realistic recovery from the at-fault carrier is the $25,000 limit, with UM/UIM to be evaluated above it.
Confirm the Progressive limit, complete the outstanding records, and send a time-limited policy-limits demand. Open and preserve the client’s own UM/UIM claim in parallel.