TIMMONS-GOODSON, Judge.
On 27 October 1995, Linda Walden Culler ("plaintiff") was stopped in her car at a red light when a vehicle driven by Thomas Ray Hardy ("defendant") struck the rear of plaintiff's car. Plaintiff submitted a settlement demand and brochure to defendant's liability carrier, the Allstate Insurance Company ("Allstate") demanding payment in the amount of $62,545.43 for medical costs, lost wages, past and present pain, suffering, and mileage for visits...
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