A man with a $100,000 underinsured motorist policy was injured when an underinsured motorist collided with him. After collecting the bad driver’s liability limits Mr. Crandall sought the $100,000 policy limits from his client’s own insurance company. Predictably, his insurer denied the nature and extent of their insured’s injuries. They were content to pocket his premiums of 27 years, but weren’t about to pay him the amount they had persuaded him he should buy; the policy limits. Pointing out that the amount of each premium was set by the insurance company presumably to cover their risk, Mr. Crandall sued them. The insurer tendered policy limits short of trial.