Client: Jane Doe
Rear-End Collision
$1,000,000 Bodily Injury Policy
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Case Details


Client:
Jane Doe

Incident:
Rear-End Collision

Coverage:
$1,000,000 Bodily Injury Policy

Medical Expenses:
$202,000

Treatment Duration:
9 Months

Background


Jane Doe, a 39-year-old client, was injured in a moderate rear-end accident. Over nine months of treatment, she incurred $202,000 in medical expenses, including chiropractic care, pain management, orthopedic consultations, and interventional procedures such as PRP and epidural injections.

Case Achievements

Measurable results from our physician-reviewed medical analysis and strategic approach.

$1M
Policy Settlement Achieved
1,200+
Pages of Records Analyzed
5 Year
Future Medical Forecast
100%
Policy Utilization

Clinical Picture

The patient experienced improvement in several areas; however, certain symptoms have persisted, and some previously resolved complaints are likely to recur. Multiple specialists documented both chronic and intermittent symptoms that are consistent with imaging findings and accident causation.

The Box of Dox Approach

Our team conducted a full review of the client's medical history, analyzing over 1,200 pages of records. We created a comprehensive summary and used clinical evidence to forecast future medical needs over a five-year period. The report accounted for areas of resolved care, ongoing needs, and recurrence risk—all supported by physician notes and standard of care protocols.

Three-Tiered Future Medical Projection

Evidence-based medical cost forecasting with comprehensive scenario planning.

Minimal Scenario

$430,000

Assumes continued maintenance with periodic flare-ups. Reflects the lowest medically appropriate level of future care, focusing on conservative management, occasional injections, and support therapies such as physical therapy and medications.

Mid-Range Scenario

$878,000

Accounts for recurrence of resolved symptoms and continuation of current issues. Includes annual interventional procedures such as radiofrequency ablation (RFA), epidural steroid injections (ESI), and regular therapy. This tier reflects the most probable medical course based on the treating physician's documented recommendations.

Maximal Scenario

$2,350,000

Represents the highest-cost pathway, assuming worsening or unresponsive conditions. Includes frequent procedures, multidisciplinary care, pain psychology, and contingency for spinal surgery. This scenario ensures all realistic care needs are financially planned for.

Strategic Impact

The tiered model allowed the legal and claims team to present a full picture of possible outcomes while remaining grounded in evidence. It avoided exaggeration while clearly establishing that the client's recovery is incomplete and medically complex.

Result

The Box of Dox report supported a well-documented negotiation position that accelerated settlement discussions. With a clear rationale for utilizing the remaining policy value, the case achieved a faster and more favorable resolution.