Most personal injury claims resolve through a settlement rather than a trial, and most people who are in the middle of one have only a partial understanding of how the process actually works, what determines the number they are offered, what happens when they accept it, and what they are giving up when they sign. […]

If your personal injury claim has reached a size that the insurance company considers worth defending seriously, there is a good chance you will eventually receive a request to attend what the insurer calls an independent medical examination. The request will arrive through your attorney if you have one, or directly from the adjuster or […]

Subrogation is one of the most consequential things that can happen to the money you recover after an accident, and most people have never heard the word until they are in the middle of a claims process that has become more complicated than they expected. You may have encountered it in a letter from your […]

When two drivers are involved in an accident and both contributed something to how it happened, the law needs a framework for deciding who pays what to whom. Comparative fault is that framework, and it governs the financial outcome of a significant percentage of all personal injury claims. Most people encounter it for the first […]

There are few experiences in the claims process more disorienting than being told you caused an accident you know you did not cause. The other driver ran a red light, came out of nowhere, rear-ended you at a stop, and now the insurer is telling you that their investigation found you partially or entirely responsible. […]

Yes, and they almost certainly will if your claim is worth enough money to justify the time it takes. Social media review has become standard practice in personal injury claims management, and the process is more systematic, more far-reaching, and more legally unconstrained than most claimants understand when they are posting through what feels like […]

Yes, and they do it more often than most claimants realize, more systematically than the word spy suggests, and with more legal latitude than most people would expect if they thought about it. The moment you file a personal injury claim of any significant size, you have entered a category of financial exposure that many […]

Most people who have dealt with an unresponsive, stonewalling, or lowballing insurer have an intuition that what is happening to them is wrong in a way that goes beyond a contract dispute. That intuition has a legal name. Bad faith insurance is the doctrine that holds insurers liable not just for failing to pay what […]

You have called three times. You have left messages. You have sent an email or submitted a contact form through their website. The other driver was clearly at fault, the police report says so, your injuries are real, and the company that is supposed to compensate you for all of it has not returned a […]

If you have received a letter from an insurance company that uses the phrase reservation of rights, you are holding something that demands immediate attention and that most people misread entirely on first encounter. It does not look urgent. It is written in the kind of dense, formal language that invites skimming, and its meaning […]