• May 16, 2017

Allison Monroe Killed, Katherine Monroe, Child Injured in Hedley, TX, Accident

Hedley, TX -- May 13, 2017, Allison Monroe was killed, Katherine Monroe and a child were injured, following a rear-end accident on the highway.

Authorities from the Texas Department of Public Safety reported that the accident occurred at around 6:00 p.m. along eastbound US Highway 287.

Preliminary reports indicate that 43-year-old Katherine Monroe was driving a Chevrolet Cavalier with 12-year-old Allison Monroe and a 10-year-old girl riding as passengers. As the Chevy slowed down to make a left turn, the vehicle was struck from behind by a Jeep Renegade. The collision caused the Jeep to catch fire.

Emergency service officials rushed out to the scene. By the time they arrived, Allison had succumbed to fatal injuries. Katherine and the other child were both transported to nearby hospitals in critical condition. The driver of the Jeep, Erika Roberts, was not hurt.

At this time, police have not reported what factors contributed to the crash. No charges or citations have been reported at this time.

Investigations are ongoing.

Map of the Area

Commentary

I can only speculate about what ultimately caused this accident until further investigations are conducted. Though there are many possibilities, the common causes of rear-end accidents are speeding, inattentive driving, or following too closely. As such, most people assume these kinds of accidents mean that the victims are automatically going to be compensated for their pains and losses. The simple fact of the matter is that no matter what the accident entails, even one as tragic as this one, the at-fault driver's insurance company is still going to do everything they can to pay the victims less than they deserve.

In most cases, the defendant's liability is only going to cover the minimum amount, which in Texas, is $30,000 per person and $60,000 per incident. There's no way to put a price on such a tragic loss, but the job of insurance companies is to do just that. While some would see an accident like this and assume the victims are going to get the full amount of compensation, they'll most likely find the insurance company making whatever excuses they can to undercut the victims and give them less than they deserve.

Victims and their families on their own don't have the tools to counter a company which is actively trying to weasel their way out of covering an accident. With the aid of an experienced professional, however, those affected can cut through the unnecessary obstacles put in their way and get the resolution they deserve.

One such tool that a professional can use is called a Stowers Demand. This basically tells an insurance company that the damages for which they're liable well exceed the policy limit, so they should concede the maximum amount of the coverage to the victims. Under most circumstances, this will show insurance companies that there is no room for their blame-shifting tactics, and they'll pay the victims what they deserve.

However, there are times where a combative company will still fight and say the damages aren't worth the policy limit, even in the most tragic cases. In such cases, the company leaves themselves open to even harsher penalties. In basic terms, if a Stowers Demand is refused and the case goes to a trial, the company could be forced to pay out compensation much higher than the policy limit.

Using this tool is effective in showing insurance companies that the accident is simply too serious for negotiations or cat and mouse strategies. Tragic accidents don't deserve to be the brunt of blame-shifting and nickel-and-dime tactics. Victims and their families are in enough pain after these accidents without insurance trying to screw them around. I just feel it's necessary to inform people these options exist so that during their time of struggle and hardship, they know there are options for working toward a resolution.

--Grossman Law Offices

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