A $21.5 million verdict was reached for the plaintiff in a bad faith claim against AAA Insurance.
The suit was reached June 12 in Clay County Circuit Court, with Judge Timothy Flook presiding over the jury trial which began June 8. Of the suit, $1 million was for compensatory damages and $20.5 million was for punitive damages. All 12 jurors signed both the underlying verdict and punitive verdict.
The suit goes back to July 4, 2021, in Eureka Springs, Arkansas. The plaintiff, Audrey Allinder, 17, was involved in a roll-over accident as the driver. The plaintiff’s good friend, Courtney Paulik, was a passenger who suffered a serious traumatic brain injury.
Paulik was forced to file suit when Allinder’s insurer, AAA, did not to make attempts to settle the claim for the $25,000 policy limits and failed to seek a release of liability to protect from potential excess judgment. The suit also claimed AAA failed to provide a timely defense, in contravention of the insurance policy, which resulted in a default judgment being entered against Allinder. After a bench trial for the damages, a $6.04 million judgment was entered against her.
Several years later, one week before the Clay County jury trial, AAA paid the full amount of the underlying judgment plus interest to Paulick, which by then was in excess of $7 million. However, the defendant continued to deny responsibility for harms caused to the plaintiff.
The plaintiff was represented by lead attorney Wes Shumate of Davis, Bethune, & Jones in Kansas City, along with Brette Hart and Matt Greenberg of Harris and Harte in Overland Park, Kansas, and Kevin Buchanan, also with Davis, Bethune, & Jones.
The defendant was represented by lead attorney Michael McCausland of McCausland, Barrett & Bartalos in Kansas City, as well as Daphne Halderman and Jordan Bergus, also with McCausland, Barrett & Bartalos.
The plaintiff expert in insurance was Ray McLaughlin of RPM Consultants out of Hendersonville, Tennessee.
The defense expert in insurance was Steven Plitt of The Cavanaugh Law Firm in Phoenix.
There was a pretrial demand of $2.3 million, which was withdrawn before trial following jury selection. There was pretrial offer of $250,000.
“I know Miss Allinder is happy to know that she was heard, and that a verdict like this, because it was a punitive verdict against the insurance company, can affect some change that will help other people, so they don’t have to go through this,” Shumate said.
Counsel for the defendant could not immediately be reached for comment.
Amount of verdict: $21.5 million
Type of action: Other – Insurance
Venue: Clay County Circuit Court
Case Number/Date: 22CY-CV11510/June 12, 2026
Judge: Timothy Flook
Plaintiffs’ Expert(s): Ray McLaughlin, insurance, RPM Consultants, Hendersonville, Tennessee
Defendants’ Expert(s): Steven Plitt, insurance, The Cavanaugh Law Firm, Phoenix
Injuries: Financial Harm, Emotional Distress, Psychological
Last Pretrial Demand: $2.3 million
Last Pretrial Offer: $250,000
Insurer: Auto Club Inter-Insurance Exchange
Caption: Audrey Allinder v. Auto Club Inter-Insurance Exchange (AAA)
Plaintiffs’ Attorneys: Wes Shumate, Davis, Bethune, & Jones, Kansas City; Brette Hart, Harris and Harte, Overland Park, Kansas; Matt Greenberg, Harris and Harte, Overland Park, Kansas; Kevin Buchanan, Davis, Bethune, & Jones, Kansas City
Defendants’ Attorneys: Michael McCausland, McCausland, Barrett & Bartalos, Kansas City; Daphne Halderman, McCausland, Barrett & Bartalos, Kansas City; Jordan Bergus, McCausland, Barrett & Bartalos, Kansas City