A.K. Gardner Law Recovers Full $250,000 Policy Limits After Insurer Denied Hit-and-Run Victim’s Claim

Deposition testimony in Harris County lawsuit reversed the insurer’s position

HOUSTON, Texas — September 4, 2026 — A.K. Gardner Law, PLLC announced today that it has recovered the full $250,000 liability policy limit on behalf of a driver injured in a late-night sideswipe collision on Louetta Road in northwest Harris County. The recovery came after the at-fault driver’s insurance company denied the claim entirely.

According to the lawsuit, the client was driving her Honda Accord on Louetta Road near the Tomball Tollway when the driver of a lifted Dodge Ram 1500 began following closely behind her. The truck then accelerated around her on the left in an attempt to pass, failed to complete the maneuver, and sideswiped her vehicle. The truck driver left the scene, only briefly stopping when the injured plaintiff flagged him down. Defendant simply told Plaintiff to fix it herself and then left the scene. Police records reflect that he gave a statement roughly a month after the crash, and that statement conflicted with the physical facts of the collision.

The client suffered injuries to her neck and back and received medical treatment following the collision. She also developed severe post-traumatic stress disorder and anxiety as a result of the crash, which required psychological counseling.

The truck driver’s insurer denied the claim in full, relying on its insured’s account that he was not at fault. A.K. Gardner Law filed suit in the 270th District Court of Harris County.

Discovery changed the course of the case. In his deposition, the truck driver testified that he holds a commercial driver’s license, that he has a history of speeding, and that he had consumed at least one alcoholic drink before the crash. After that testimony, the insurer tendered the full $250,000 policy limit.

“The insurance company made its decision based on one person’s version of events, and it never tested that version,” said Andrew Gardner, founder of A.K. Gardner Law. “A commercial driver’s license means this driver was trained on following distance, safe passing, and the dangers of driving after drinking. He knew better. My client was run off the road at night by a much larger vehicle whose driver didn’t stop. The physical injuries were real, and so was the psychological harm that followed. Once the driver had to answer questions under oath, the insurer’s denial couldn’t hold up. She shouldn’t have had to file a lawsuit to be taken seriously, but filing it is what got her the result.”

After attorney’s fees of $100,000.00, case expenses of $2,022.46, and $3,300.00 in medical expenses paid from the settlement, the client received $144,677.54. Her vehicle is also being fully repaired at no cost to her.

A.K. Gardner Law, PLLC is a Houston-based plaintiff’s personal injury firm representing people injured in car and truck collisions, commercial trucking crashes, drunk driving crashes, and other serious incidents throughout the Houston area and Southeast Texas.

Every case is different, and the outcome of any case depends on its specific facts and circumstances. Past results do not guarantee a similar outcome in any future case.

Past results do not guarantee, warrant, or predict future outcomes. Every case is different and results depend on the specific facts and law involved. Allegations described above were the claims made in the case; the matter resolved by settlement without any adjudication of liability.