Hector Alcaraz v. Steadfast Insurance Company

I. BACKGROUND

The following factual allegations come from Plaintiff's Complaint (“Complaint”). (Dkt. No. 1-1). Plaintiff and Defendant entered into a written insurance contract that was in effect on August 17, 2017, which provided coverage for bodily injury due to a collision with an uninsured or underinsured driver. (/d., {] 6). On that date, Plaintiff “was involved in a heavy impact automobile vs. automobile collision

CV-90 (12/02) CIVIL MINUTES — GENERAL Initials of Deputy Clerk CB

Case 2:22-cv-00842-AB-JEM Document Filed 04/12/ Page 2 of Page ID #:142

which occurred in the County of Los Angeles, State of California.” (Id., ¶ 14). “The impact of the collision was severe[] and nearly destroyed Mr. Alcaraz’s vehicle. As a direct result of that collision, Mr. Alcaraz suffered serious and permanent injuries.” (Id.). These injuries required Alcaraz to seek medical treatment, including a major surgery. (Id.).

In March of 2019, Alcaraz submitted an “Underinsured Motorist Demand” to Steadfast for $985,000. (Id., ¶ 15). The policy had a limit of $1,000,000. (Id., ¶ 13). When Steadfast responded to the demand, it made an offer…