Orange County. Motor vehicle collision resulting in concussion and neck and back pain. Ms. Hernandez was a passenger in a vehicle that was rear-ended by an uninsured driver. She hit her head and suffered headaches, nausea, and light sensitivity as well as neck and back pain. She received treatment from the hospital, orthopedic doctor, physical therapist, and acupuncturist. An MRI revealed a dis extrusion in her lower back. Mercury Insurance provided the auto liability policy which contained a $25,000 UM limit. Blain Law, APC, was able to coordinate Ms. Hernandez's care and then recover the policy limits of $25,000 on her behalf without arbitration.