Hall v. Gaines

On May 17, 1990, Christopher Hall was struck by an automobile driven by Richard Lamar Gaines. Gaines was employed by Quality Assurance Testing Laboratories, Inc. ("Quality"), at the time of the accident. Hall suffered a broken leg and, initially, spent one week in a hospital. His resulting medical bills and lost wages totaled $5,198.97. On June 7, 1990, three weeks after the accident, Michael Ownings, a claims adjuster employed by American States Insurance Company ("American"), the liability insurer for Quality and Gaines, went to Hall's home and negotiated a $10,000 settlement with Hall.…