Case Study: Allstate Tries to Deny, Delay, and Defend. Part #1

On the morning of February 14, 2001, 21-year-oldspecialist because Theresas low back pain had not
Theresa Suddeth was on her way to class at theresolved. Theresa was advised to see an orthopedist
University of Washington. She was driving her 1983doctor at Kruger Orthopedics clinic in Edmonds,
Jeep vehicle on Brooklyn Avenue in the UniversityWashington. The doctor saw Theresa just one time
District of Seattle. Theresa was traveling the postedand prescribed 8 physical therapy sessions over the
speed limit of 30 mph.next 30 days. The doctor further instructed the
Another driver then pulled out in front of her withoutphysical therapist to develop a home exercise
yielding the right of way. There was a T-bone collision.program for Theresa so she would not have to
Theresas vehicle struck the passenger side of thecontinue formal care. Theresa completed her last
defendants vehicle. The defendant, 80 year-old Peterphysical therapy session approximately 6 months after
Combs*, claimed that he stopped before entering intothe date of the collision.
the intersection, but that he could not see very far dueWhen Theresa finished her last physical therapy
to the sunshine. Theresas vehicle sustained $4,000 intreatment, she stopped treatment. Theresa stopped
damage. The defendants vehicle was totaled.treatment even though her low back pain was still
Theresa instinctively swerved to her right upon impact.present. Theresa did not receive treatment for the
She hit her head on the driver side door window. Shenext two (2) years.
was thrown forward and back again upon impact. TheDuring this two-year hiatus from medical care,
defendant was not injured. When police arrived on theTheresa continued to perform her exercises and
scene, the defendant was cited for failing to yield thestretching routines as instructed by her physical
right of way.therapist. She continued to experience daily low back
Theresa was very shaken up while at the scene. Shepain. Theresas friends and family members all
immediately called her mother and father. They bothtestified at trial that Theresa complained about her
arrived on the scene to find that Theresa was cryingback pain constantly. Theresa testified at trial that over
and very upset.this two-year period she continued the exercise and
Theresa refused medical attention at the scene.stretching routine as taught by her physical therapist.
However, when her mother arrived and saw theWhile Theresa was a full time student at the U.W., she
golf-ball-sized lump on Theresas head, she insistedwas also employed in the shipping and receiving
that Theresa see the familys doctor that afternoon.department of a small local production company. Her
By the time Theresa saw her doctor a few hoursco-workers would later testify at trial that Theresa
later, she was also experiencing neck and back pain.always needed help moving objects at work and that
The doctor diagnosed a neck and back strain and ashe needed to take frequent breaks.
contusion to the head. Theresa was advised to goDuring her two-year hiatus from medical care,
home and ice her injuries and take Ibuprofen for pain.Theresa maintained a full curriculum at the University
Over the next 3 days Theresas complaints of painof Washington. She graduated in four years with a
grew progressively worse. She would later describe atdegree in Anthropology. Theresas mother would later
trial as feeling that she was hit repeatedly by atell the jury that her only daughter was an exceptional
baseball bat all over her body. She went to thestudent. Theresa graduated from the U.W. with a 3.75
Stevens Hospital emergency room with acute neckgrade point average.
and low back pain. She was given a prescription forAt the repeated urging of her mother, father and other
Vicodin and advised to rest and then follow up withfamily members, Theresa decided to return to a
her PCP in one week if her symptoms did notphysician in August 2003. Theresas mother referred
significantly improve.her to another chiropractor who a lot of experience
Theresa never returned to see her PCP, despite thetreating car accident victims with chronic back pain.
fact that her back pain persisted. At the suggestion ofThe chiropractor ordered an MRI scan of Theresas
a friend, Theresa sought treatment from alumbar spine. The MRI revealed that Theresa had
chiropractor. She also received some massage.lower lumbar facet arthropathy (joint pathology) which
Unfortunately, this care actually made Theresaswas consistent with traumatically induced arthritis to
symptoms worse.the facet joints. The MRI also revealed a very mild
About four months after the collision, Theresasdisc protrusion at L5-S1.
mother called the PCP for a referral to a back