Emily’s car was smashed from behind by a drunk driver who was speeding and didn’t even try to brake before impact. Emily suffered permanent brain damage, including short term memory loss. The striking driver had only $250,000 in coverage, but fortunately Emily had one million dollars in UIM coverage. Demonstrating profound bad faith, the UIM carrier refused to pay the policy, forcing Stephen Raynes to take the case to arbitration. Mr. Raynes presented evidence that convinced the panel – including the carrier’s selected arbitrator – to award $4,300,000. In light of the carrier’s bad faith, Emily’s case ultimately settled well in excess of the policy.