Craig was an avid cyclist who spent his mornings riding his road bike on Santa Barbara’s back roads. As he descended the hill, a truck pulled out in front of him, causing life-altering injuries. The police report cited Craig as the sole cause of the collision. Because of this, the driver’s insurance company blamed Craig and refused to compensate him for his injuries. Brian investigated the driver’s background and uncovered a troubling history of violence towards cyclists.
Within days of disclosing this information to the carrier, the driver’s insurance company tendered the entire underlying and excess policy limits.