N. O. was a 14 year-old passenger in her Grandparent’s car being driven by her father when he lost control and hit a tree. As a result, N.O. was paralyzed from the mid-chest down. The Defendant’s insurance company failed to investigate the matter for nearly one year pre-suit, and failed to timely offer their $10,000 limits of bodily injury coverage. As a result, N.O. sued her father and grandparents. Under Florida law, her recovery was limited to the policy amount as to her father, and to $600,000 as to her grandparents. The insurance carrier made the business decision to pay these capped amounts rather than litigate the inevitable bad faith case.