documents: Defendantâs Request for Production of Documents, Supplemental Request for Production of Documents, medical records from the hospital emergency room, and reports from the various medical personnel whoâd treated Gladys Fredrickson. There were also copies of the depositions taken from Gladys Fredrickson; her husband, Millard; and the defendant, Lisa Ray. I did a quick study of the police report and leafed through the transcripts of Interrogatories. I took my time over the photographs and the sketch of the site, which showed the relative positions of the two vehicles, before and after the collision. At issue, from my perspective, was a witness to the accident, whose comments at the time suggested he supported Lisa Rayâs account of the event. I told Effinger Iâd look into it and then turned around and set up the midmorning meeting with Mary Bellflower.
Before I walked through the California Fidelity Insurance offices, I donned my mental and emotional blinders. Iâd worked here once upon a time and my relationship with the company had not ended well. The arrangement was one whereby I was given office space in exchange for investigating arson and wrongful-death claims. Mary Bellflower was a recent hire in those days, a newly married twenty-four-year-old with a fresh, pretty face and a sharp mind. Now she had four yearsâ experience under her belt and she was a pleasure to deal with. I checked her desktop as I sat down, looking for framed photos of her husband, Peter, and any small tykes she might have given birth to in the interim. None were in evidence and I wondered what kind of luck sheâd had with her baby plans. I thought it best not to inquire so I got on with the business at hand.
âSo whatâs the deal here?â Iâd asked. âIs Gladys Fredrickson for real?â
âIt looks that way. Aside from the obviousâcracked ribs, cracked pelvis, and torn ligamentsâyouâre talking about soft-tissue injuries, which are difficult to prove.â
âAll this from a fender-bender?â
âIâm afraid so. Low-impact collisions can be more serious than youâd think. The right front fender of the Fredricksonsâ van struck the left side of Lisa Rayâs car with sufficient force that it spun both vehicles in a postcollision rotation. There was a second impact when Lisaâs right rear fender came in contact with the vanâs left rear fender.â
âI get the general idea.â
âRight. These physicians are all doctors weâve dealt with before, and thereâs no hint of fraudulent diagnoses or padded bills. If the police hadnât cited Lisa, weâd be a lot more inclined to dig in our heels. Iâm not saying we wonât fight, but sheâs clearly in the wrong. I sent the claim on up the line so ICPI could take a look. If the plaintiff is claim-happy, her name should show up in their database. On a minor noteâand we donât think it pertains to this situationâMillard Fredrickson was handicapped in an automobile accident some years ago. Talk about someone plagued by misfortune.â
Mary went on to say she thought Gladys would end up accepting a hundred thousand dollars, not including her medical expenses, a bargain from the companyâs perspective as they could sidestep the threat of a jury trial with its attendant risks.
I said, âA million bucks reduced to a hundred grand? Thatâs a hefty discount.â
âWe see it all the time. The attorney tacks on a big price tag so the settlement will look like a good deal to us.â
âWhy settle at all? Maybe if you stand your ground the woman will back off. How do you know sheâs not exaggerating?â
âPossible, but not likely. Sheâs sixty-three years old and overweight, which is a contributing factor. With the office visits, physical therapy, chiropractic appointments, and all the medications sheâs on,