My client was operating his vehicle, traveling southbound on US 89 in Jackson, Wyoming. A vehicle operated by Defendant, traveling northbound on US 89, left the northbound lane of travel, crossed into the southbound lanes and collided head on with my client’s vehicle. After obtaining a limits offer from the “at fault” party’s insurance, the client’s insurance company, under its underinsured coverage, initially made a low-ball offer claiming the client’s injuries were not as serious as alleged. This required us to file a lawsuit and establish the serious nature of our client’s injuries through the treating physicians.