G. Y. was rear-ended by Kyle Jurgens, who held a $25,000 policy of insurance. Mr. Y. ultimately underwent cervical spinal surgery with discectomy and fusion. The Jurgens’ insurer, Allstate, refused to tender the limits of insurance presuit, and ultimately paid the sum of $112,500 at mediation due to bad faith exposure. An additional $20,000 was paid by Mr. Y.’s underinsured motorist carrier.