Plaintiff, a nineteen (19) year old male at the time of this accident, was operating a motor vehicle, and struck on the passenger side when Defendant disregarded a stop sign and failing to yield the right of way. As a result of this accident, Plaintiff sustained a severe lower back disc herniation. He underwent a trial of epidural steroid injections, but remained in pain. Thereafter, Plaintiff consulted with a neurosurgeon who performed a two-level lumbar surgery. The case for the policy limits of $ 100,000.00.