A woman who suffered a serious back injury after being rear-ended on Interstate 285 reached a $3.5 million settlement shortly before trial more than three years after the at-fault driver’s insurer turned down an offer to settle for its $50,000 policy limit.

Plaintiffs attorney Ben Brodhead said State Farm Insurance responded with a $12,000 offer, arguing the woman’s car had “ minimal damage” and that her injuries were “preexisting and degenerative in nature.”

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