Case Background

This case originated from a motor vehicle accident that took place on November 26, 2022, in Middlefield, Connecticut. Around 4:43 p.m., Adam Spencer had been driving northbound on Baileyville Road and had stopped at the intersection with Route 66. At the same time, Christopher Madera, driving a vehicle owned by Kelly Willette, had been travelling east on Route 66 and attempted a right-hand turn onto Baileyville Road. In doing so, Madera suddenly crossed into Spencer’s lane and collided with his vehicle.

Spencer, along with his passenger, Gail Chodkowski, had sued their own insurance carrier, Allstate Fire and Casualty Insurance Company, for underinsured motorist benefits. The complaint stated that the driver at fault, Madera, had carried insufficient insurance coverage to fully compensate them. Allstate had denied responsibility to pay under the policy.

Cause that led to the dispute

The Plaintiffs argued that Madera’s negligence had caused the crash, which had entitled them to additional compensation from Allstate under their underinsured motorist policy. Allegations of negligence included failure to keep a lookout, reckless turning, poor lane control, and excessive speed for the conditions.

Injuries suffered

Adam Spencer had suffered back pain, left shoulder pain, a