Our client lived with her mother part-time and also lived on her own. She was a passenger in a motor vehicle accident where she suffered severe injuries requiring neck surgery. The driver of the automobile in which she was a passenger was found to be a fault for the accident. However, the driver did not have sufficient insurance to cover our client’s injuries. Our client turned to her mother’s underinsured motorist coverage, but her mother’s insurance company contended that she was not a resident of her mother’s household so she could not recover. We fought this coverage denial and proved that our client maintained a “dual residency”. A “dual residency” would provide coverage under her mother’s uninsured motorist benefits. The insurance company agreed and settled this matter thereby providing underinsured motorist benefits to our client. We recovered an additional $100,000.00 for our client that she would not have received without our legal advocacy and research.