Nishan, a 43-year-old diesel diagnostic tech was rear-ended by Estrada, who was insured by Fred Loya Insurance.
We’ve discussed Fred Loya Insurance several times in our PI Email Alerts. A notorious “cut rate” carrier, Fred Loya refused to admit to a clear-cut liability or that Nishan was injured.
Nishan saw a Fresno chiropractor and had 22 visits. The DC order an MRI which revealed scoliosis and sideways curvature of the spine. Nishan also lost two months of work.
- Total medical bills: $5,898.89
- Total loss of earnings: $5,880
Nishan demanded Fred Loya’s policy limits of $15,000. Fred Loya refused and offered $10,000 then reduced their offer to $1,000 before trial. Defendant Fred Loya forced their insureds and Nishan into an unnecessary jury trial.
The Fresno Superior Court Jury awarded $121,778.89.
- Economic damages: $11,778.89
- Non-economic damages—pain and suffering: $110,000
The jury took only one hour to agree that Nishan was innocent and awarded 10X what Nishan was willing to settle for.
Fresno Superior Court, Judge Hon LD Tyler Tharpe. Mikhalli vs. Cayetano August 24, 2022.