A 43-year-old woman was struck by a fast-moving vehicle as she was walking along the shoulder of the road. She suffered injuries to her face, neck, arm, back, leg, and ankle and incurred medical expenses of $135,000. The primary insurance company offered its limit of $500,000 after her deposition. The excess liability carrier offered an additional $500,000 before the case’s first trial setting. Immediately prior to the case’s second trial setting, an additional $650,000 was paid for a total settlement of $1.65 million.