2015 wreck on Cusseta Road in Columbus where she was rear-ended by a negligent driver. There was very little damage to the vehicles involved in the wreck. Client went into treatment with a physical therapist and pain manager. Eventually needed surgery. Gary O. Bruce, P.C. made a demand for the $50,000 policy limits of the rear-ending driver, insured by Progressive. Progressive’s first and only offer was for $6,750. Gary O. Bruce, P.C. filed suit. . Her physician testified that the need for Ms. F’s surgery was the car wreck, which had been called “slight” by Progressive Each carrier paid its policy limits for a total of $125,000, all available insurance coverage.