This client was involved in a automobile accident on May 28, 2010. He was a restrained driver traveling east on Maine Road in Lakeland while the tortfeasor was traveling west on Maine Road. When the tortfeasor approached the intersection of Maine and Reynolds, he attempted to make a left hand turn and pulled directly in front of our client causing a front-on collision. There was approximately $5,000.00 in damage to our client’s vehicle. Our client sought treatment immediately following the accident at Lakeland Regional Medical Center for pain in his upper and lower back, left wrist, and left shoulder. He then proceeded to Physician’s Group, where he received follow up care over the next several months. While at Physician’s Group, he was recommended by a doctor for an arthroscopy of his left shoulder, which he underwent on August 1, 2011. Upon receipt of these records, the attorney forwarded this information to the BI adjuster at Progressive with a demand for the $100,000.00 limits. The limits were tendered within a week of sending the demand.