A 64-year-old Waterbury woman who was severely injured by an underinsured driver has been awarded $54,000 by a jury.

Rozalyn Ralph was a passenger in a car driven by her fiancee in Cromwell in July 2014 when she was rear-ended by a vehicle driven by Amy Struzinski. Ralph, who suffered neck and severe back pain, had earlier received $20,000 from Geico, Struzinski’s insurer. Since Struzinski’s policy limit was $20,000, Ralph sued her insurer, Travelers Home and Marine Insurance Co., to recoup monetary damages the court thought appropriate.