She had residual neck and arm pain as well as post-traumatic stress disorder, having been involved in the two accidents. The insurance carrier took the position that her injuries were not as severe as she articulated them and that she had other problems that kept her from working, not just the subject accidents. The plaintiff had attempted to work following the second accident, but ultimately could not continue. The insurance carrier offered $1 million to settle both claims prior to the binding arbitration. The matter was arbitrated over two days. The arbitrator entered an award of $6.6 million.