Plaintiff, a 23-year-old female, was involved in a rear-end motor vehicle accident on US I-95, resulting in injuries to her cervical spine, ultimately requiring injection therapy with pain management. Claim against adverse driver was successfully settled for $15,000 Policy Limits and Underinsured Demand for Policy Limits was submitted. Insurance carrier hired Doctor to dispute injuries, need for treatment and criticize pain management. Prior to filing suit, however, insurance carrier paid Policy Limits of $250,000.