Shirley Sager: settled for $3.25 million from a $100k policy after being hit head-on in April 1999 by a drunk driver. Offered to release claims for the 100k in policy limits, but the insurer balked and delayed some 9 months after the offer to settle deadline expired before offering limits.

Brenna Simmons: insurer paid $285,000 after jury verdict in favor of Brenna who had a one-level cervical fusion from a July 2001, broadside collision. The offer to settle for $100k in policy limits lapsed. After 5 continuances case went to trial with the excess verdict the insurer paid.

Ray Chavez: offer to settle for $50,000 from $100,000 in policy limits. After verdict, insurer paid $281,428.07.

Otis Watkins: offer to settle for $50,000 in policy limits expired. Insurers eventually paid $294,000 after jury verdict.

David Perez: After offer to settle for $25,000 in policy limits against drunk driver rejected by insurer based on insurer inserting new condition in release, insurer later paid $150,000, or six times policy limits, for release.