The lawyers for a woman who was injured in a car wreck said they bent over backward to give the defendant driver’s insurer a chance to tender her $100,000 policy limits before taking the case to trial, extending the deadline to respond and going so far as to have the plaintiff’s surgeon speak to the claims adjuster and confirm that cervical surgery would be necessary.

But the insurer, State Farm, never offered more than $22,500 to settle the admitted-liability case; a Cobb County jury decided the woman’s injuries were worth $850,000.

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