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The driver who hit the claimant only had $15,000 in coverage. Guess who paid the balance of the $40,000 jury award? (Photo: Shutterstock)

Richard Harris, 44, was stopped at an intersection in West Philadelphia when the car he was driving was struck from behind on March 28, 2013. Following the accident, Harris claimed that he had suffered back injuries and a specific bodily function was impaired.

Patricia L. Harman

Patricia L. Harman is the editor-in-chief of Claims magazine, a contributing editor to PropertyCasualty360.com, and chairs the annual America's Claims Event (ACE), which focuses on providing claims professionals with cutting-edge education and networking opportunities. She covers auto, property & casualty, workers' compensation, fraud, risk and cybersecurity, and is a frequent speaker at insurance industry events. Contact her at pharman@alm.com

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