The team of trial attorneys from the Drury Law Firm and Benjamin Lucas P.A. says they have never seen a carrier pay the entire limit—$25,000 in this case—to a person who was not in the vehicle that took the hit.

But that seemed to be the "ace in the hole" for a resolution for their client, who got 12 times the policy limit, amid claims of bad faith.

"I've never seen that happen," said Christopher M. Drury of Drury Law in Coral Gables.

Click here to read the complaint

'Stick to Your Guns'

The lawsuit stemmed from litigation among Miami-Dade residents Katia Cambiaghis Achcar as the plaintiff, and Danilo Garcia Sanches and Yenifer Cati Rivero Esponda as defendants.