Client injured in minor damage 2015 car wreck in Muscogee County. Client received a surgical recommendation for a cervical fusion. Gary O. Bruce, P.C. sent a policy limits demand for the minimum limits of $25,000. Insurer offered $9,000. In response to that offer, Gary O. Bruce, P.C. immediately filed suit. Client underwent the proposed fusion surgery. After party depositions and deposition of doctor, case resolved for $140,000 at mediation, more than 15 times the amount of the initial offer, and more than 5 times the limits of coverage, without the necessity of trial on bad faith.