G. H. was rear-ended in his family van by Lisa Lipfield, who held a $25,000 policy of insurance. So great was the impact, that Mr. H. ultimately underwent cervical spinal surgery with discectomy and fusion. Ms. Lipfield’s insurer, Allstate, refused to tender the limits of insurance presuit, and ultimately paid the sum of $150,000 at mediation due to bad faith exposure. An additional $50,000 was paid by Mr. H.’s underinsured motorist carrier.