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Model Lauren Scruggs Reaches Settlement With Insurance Company

It was December 3, 2011 when model Lauren Scruggs decided to take a short flight in a small, two-seater airplane. The model wanted to see Christmas lights across the state of Texas, where she is from.

What happened at the end of the flight was a horrible tragic accident. Scruggs accidentally walked into the propeller blades before they had stopped spinning.

It was the left side of her body that was struck when she accidentally walked into the front of the spinning propeller. Scruggs head, shoulder and hand were hit by the propeller. The model had to have several emergency operations to save her life.

Left hand severed by propeller

Scruggs left eye was removed, and her left hand had was severed by the propeller. The model now uses a prosthetic eye and a prosthetic hand. Scruggs said, “Emotionally days are hard sometimes just accepting the loss of my eye and hand, but it just gets better and I realize God’s in control of my life and there’s a purpose to this story.”

Scruggs sued Aggressive Insurance Services, the company that insured the small plane. The model filed the lawsuit after she rejected a $200,000 settlement offer from the insurance company. The insurance company said that the offer was $100,000 from each one of the two insurance policies on the plane, which they said was the limit a passenger could get.

According to Scruggs, the settlement offer was based on the definition of “passenger” in the insurance policy. In the insurance policy, the term is defined as “any person other than the pilot, who is in the aircraft or getting in or out of it.”

Not a passenger

However, Scruggs says that she was not a passenger as defined by the policy, thus rejecting the $200,000 sublimits of the policy. The model says that she “had completed her exit from the aircraft prior to the time of the incident and was physically located on the tarmac when the incident happened.”

The point of disagreement between Scruggs and the insurance company was over whether the model was a passenger or not. Scruggs argued that she had “completed her exit from the aircraft prior to the time of the incident and was physically located on the tarmac.”

Scruggs has now reached a settlement with Aggressive Insurance Services. The terms of the settlement are confidential, but sources indicate that the settlement was for more than one million dollars.

Miraculous recovery

Scruggs recovery from the accident has been miraculous, and she is once again back in her heels. In a little more than eight months since tragically walking into the propeller, the model made her first interview appearance on the “Today” show Thursday morning, August 9, 2012.

Scruggs received a sweet surprise during the interview. She had said that she admired Team USA gymnast Gabby Douglas who had won the gold medal in the women’s All-Around at the 2012 Olympics in London. During Scruggs interview, Gabby came bounding onto the set to meet the model.

If you have been injured in an accident that was not your fault, you probably need to speak with a personal injury attorney in order to get the settlement that you deserve.