What should I do if my employer doesn’t have workers comp insurance?


In the United States, most employers are required to carry worker’s compensation insurance. This is necessary to financially cover injuries from workplace accidents. Some employers may neglect to carry that insurance, or may let their policy lapse. This creates a situation that could have serious financial consequences for that company’s employees, especially if the employee is unaware of his or her legal rights.


Make Sure the Law Does Require Your Employer to Carry Insurance

The rules vary from state to state as to the restrictions placed on employers to carry workers compensation insurance. In some states, every business of a specified size is required to carry full worker’s compensation insurance. In those cases, the size of the business is determined by the number of individuals employed by the company.

The number of employees also varies from state to state. Worker’s compensation insurance may be required in companies that hire just one employee, while other states might not require insurance coverage until the business retains at least three to five employees.

In other states, the employer may have the option of covering insurance requirements through a self-insured program. This means there won’t be a third party insurance company involved, but the employer is still operating within the rules of the law.

Whatever the specific regulations in your state, the employer’s compliance with the law usually means that an injured employee must go through that state’s worker’s compensation office. Claims are filed with the office and forwarded to the employer and the company’s insurer. Again, the exact process may vary slightly among the different states, but, essentially, the rules for filing a claim are straightforward. Always consult a workers compensation lawyer for legal advice.


What Can You Do When Your Employer Isn’t Insured?

In the end, it may work to the employee’s advantage when the employer isn’t in compliance with the law. While it’s generally prohibited to sue one’s employer for a workplace injury, most states have a stipulation that allows for them to file a personal injury suit. These types of personal injury civil suits can only be brought against one’s employer in the event that the company isn’t covered under the state’s worker’s compensation laws. If this is the situation, an injured worker can bring a civil suit against the employer to cover damages.


Recovering Accident Damages: Lawsuit or Workers Compensation?

Damages in a personal injury lawsuit can be significantly more than he or she might have received from a worker’s compensation claim. In a civil suit, the damages would cover the full amount of your losses such as medical bills, pain and suffering, and lost wages. In comparison, a worker’s compensation claim would only cover two-thirds of lost wages and wouldn’t reimburse the employee for pain and suffering.

Additionally, a jury in a personal injury case can award punitive damages to a plaintiff. If the jury believes that the employer acted egregiously in causing your injuries, they may award an extra sum as a way of punishing the employer. The potential additional costs resulting from a personal injury lawsuit, such as being subjected to punitive damages, compel most businesses to make sure they remain in full compliance with state laws.

Even if your employer is covered by worker’s compensation insurance, it may be beneficial to seek out the advice of an attorney. They can ensure that you’re aware of your rights and can help you receive your entitled compensation. While a personal injury lawsuit can be lengthy, they can help you receive damages for your injuries from an uninsured employer. In either case, the best thing you can do for yourself is to discuss your case with a legal professional  ssuch as the Workers Compensation Attorneys Queens NY  locals trust who has your best interests in mind.


lawpsr-POLSKY, SHOULDICE & ROSENThanks to authors at Polsky, Shouldice, & Rosen P.C. for their insight into Workers Compensation.

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The Workers Comp Process

Depending on the severity of your injuries, the process for filing for worker’s compensation can be very simple. If the injuries sustained are relatively mild and you can return to work soon after, it won’t be very difficult. Usually an employee will report an injury to their employer and often include a report of an accident or other action of a co-worker.

Injuries can happen anywhere whether in the workplace or at another location during work travel and they all require an accident report. However, when the situation is messy and if an employer doesn’t want to honor the claim, they will try to avoid compensation, even if the compensation is coming from their  insurance company.

  • Depending on state regulations, an insurance company can deny a claim if they conduct an investigation and they find data they can use in defense to prove you do not deserve compensation.
  • The state can rule that a worker is not eligible for workers’ compensation.
  • Whether it is the state or a private insurance company denying your claim, you should hire an experienced lawyer, like a New York workers comp attorney, to represent you. They will know how to navigate difficult insurance companies to give you a fair fight in receiving your deserved compensation

Filing a Typical Claim

Usually you follow these steps when filing a claim:

  1. Report the injury to your employer immediately.
  2. Seek medical attention immediately! You may want to do this before notifying your employer if the injuries are extreme of life-threatening. If you require serious treatment, get to a doctor right away.
  3. The employer is then responsible to conduct an investigation of the accident and review the causation of your injury. A report is then filed with the insurance company or state board.
  4. If all parties involved agree and the state approves the claim, then you should receive the benefits after seven days away from work; this includes replacement of lost wages and coverage of medical expenses.

Standard Hearing Process

If your claim is denied, you will have to endure a court hearing. A state workers’ compensation board judge will examine evidence from all parties involved and will give a ruling based on their findings. A ruling can be repealed if your attorney believes they can prove your injury claim and that you deserve compensation. If your employer continues to force employees to work in unfair and unsafe conditions, you may pursue punitive damages. Punitive damages can also include non-economic compensation including therapeutic treatment and payment for pain and suffering.

Visit a local law firm to examine your options. You may be entitled to payment for your work-related incident. It is best to contact a lawyer right away to represent you, especially if you foresee your case involving a hearing. A lawyer’s guidance can be the difference between fair compensation for your injuries and a host of medical debt.

2017-11-14_18-03-58Thanks to our friends and contributors from Polsky, Shouldice & Rosen, P.C. for their insight into

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Top 5 Ways to Avoid Winter Crashes

by Krista Sherinian

There are several ways to avoid being in a winter car accident. Below I’ll summarize some quick tips to stay safe this season. When possible try to travel after the salt trucks and plows have treated the main roads. Second, brake lightly, using on-and-off motions when coming to a stop. For manual transmission cars, try to avoid abrupt downshifts, as this can cause the wheels to skid. Attempting to power up hills can also have negative effects, because applying extra gas on snow-covered roads may cause your wheels to start spinning.

We may not realize that it’s the air inside our tires that supports our car while you’re driving. If you see a strange warning light on your dashboard as you start up your engine, it may mean that your tire pressure is too low. The air in your tires expands when heated, and contracts when cooled, meaning during colder weather, it’s common for your tire pressure to decrease, posing a threat to your winter driving. When properly inflated, your tires are able to perform at their best, and will provide better handling, dependable traction for better safety.

When driving in ice or snowy conditions, it’s important to leave a substantial amount of space between you and the car in front of you. A general guideline is to use the six-second rule, meaning that when the car in front of you passes a fixed point in the road, it should take you six seconds before you pass that same point. Yes, this might seem excessive, but it will prevent a potential auto accident if the car in front of you suddenly stops, and it takes you longer than anticipated to slow down. If you are the one who’s being tailgated too closely by the car behind you, change lanes to avoid the potential danger of this driver. During the winter, it’s important to relax your driving, avoid rushing and give others their space. A trusted car accident lawyer Chicago IL residents turn to encourages this safe behavior.

For some, driving with cruise control has become almost second nature, as it can help prevent leg fatigue and can keep you from unwittingly speeding. However, utilizing cruise control in harsh conditions can be unsafe. During the winter months, attempt to make a conscious effort to ensure that you are not using it when driving in snow, ice or hail. If your car skids while cruise control is activated, it may continue to accelerate and rapidly spin the wheels in an attempt to maintain the selected constant speed. This is extremely dangerous and can make it more likely for you to lose control of your car.

Distracted driving has been shown to be as risky as driving under the influence of alcohol. Avoid both by putting cell phones away and take a taxi or Uber when you’ve been celebrating this holiday season.

The expert injury attorneys at Law Offices of Konrad Sherinian, know that regardless of how cautious you are when driving during winter conditions, sometimes accidents are inevitable. If you or a loved one have been injured in an auto, truck or motorcycle accident this season, our dedicated attorneys are here to insist you receive the compensation you deserve. Call us today at (630) 318-2606.

Konrad Sherinian LLCThanks to our friends and contributors at the Law Offices of Konrad Sherinian for their insight into car accidents.

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How do I prove a slip and fall accident wasn’t my fault?

Estimates show that about one million Americans experience a slip-and-fall accident every year. Slip-and-fall accidents can result in injuries ranging from minor to very severe, in which case surgery, medications, and physical rehabilitation might be necessary and quite expensive. In fact, the Centers for Disease Control find that 20-30% of slip-and-fall accidents are severe which usually requires extensive treatment. Though some of these cases might have been due to a simple accident, sometimes they are due to the negligence of a property owner.

Could the Property Owner Have Prevented the Accident?

When considering the idea of pursuing a slip and fall legal case against a property owner, it is important that you are able to demonstrate that the property owner could have prevented the accident from occurring. For example, if someone slips and falls in a restaurant on a recently mopped floor that was not marked by a hazard sign, the restaurant’s owner could be held liable for negligence.

Maintenance of Safe Conditions

When we talk about determining liability, we have to assess whether or not the property owner failed to maintain a safe environment.

  • If the property is actually in a safe state of operation, a court might not favor your claim.
  • If the property owner failed to maintain safe conditions (for example, if they did not repair rotting floorboards), they could be found liable for a slip-and-fall accident.

Proving Liability of the Property Owner

In order to prove the property owner’s liability, we need to establish as much of the following as possible:

  • A hazardous condition or obstacle existed long enough for the property owner to notice and take steps to eliminate the issue.
  • The property owner had a policy in place for regularly checking for hazards but failed to do so as indicated in a record book.
  • A reasonable justification for the creation of a possible hazard did not exist at the time of the accident.
  • The hazard could have been made safer by relocating it, preventing access to the area, or by placing a warning sign near it.
  • Poor lighting resulted in the accident.

Reasonableness of the Property Owner’s Actions

When we talk about the reasonableness of the property owner’s actions, we are referring to whether or not the property owner could have taken action to address the hazard within a reasonable timeframe prior to the accident. These are questions that might be asked by the court:

  • Is there proof that a property owner inspects the property like they might claim?
  • For how long was the hazard present?

The Rule of Comparative Negligence

There is a partial legal defense known as The Rule of Comparative Negligence which can attribute part of an accident to the plaintiff’s negligence. For example, if a plaintiff claims that they slipped on a spilled drink in a restaurant, the defense could invoke this rule and claim that the plaintiff was simply clumsy or didn’t take the extra effort to walk around the spill. This is something we need to be mindful of when we make our slip-and-fall cases in court, since this can reduce the amount of damages a plaintiff can receive.

If you have been involved in a slip-and-fall accident, a personal injury lawyer Harrisonburg VA relies on may be able to assist you in filing a claim or lawsuit and receive compensation for your damages. Before you hire a personal injury lawyer, they can take a look at your case and offer an opinion as to whether or not it makes sense to engage their services.

Thanks to our friends and contributors from MartinWren, P.C. for their insight into personal injury practice.

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Car Crash Law: Minor Impact, Serious Injury—Do I have a case? | Rispoli & Borneo

One of the most difficult type cases to handle is the personal injury case where a client was involved in a minor car crash, but has suffered serious injuries. In this type of case, it is extremely important that you involve an experienced Auto Accident Lawyer Memphis, TN  has trusted with similar type cases.  Why?

  • Because the public is predisposed to the idea that minimal damage automatically equals minimal injury, even though that idea is completely false, and,
  • Because the insurance company and lawyers for the driver who hit you will argue that because the crash was “minor,” that you couldn’t possibly be hurt as badly as you were, even though medical and scientific proof shows the opposite.

Minor Damage to the Vehicles.

Vehicle damage is not a reliable indicator or predictor of injury potential. The mechanism of injury in a car crash is not as simple as looking at a photograph. Rather, it involves many factors and concepts that are beyond the common knowledge of most people. Factors such as gender, type of seat back, type of head restraint, composition of the vehicles, angle of collision, victim’s awareness of the impact, and body positioning inside the vehicle all come into play. There have been many studies about injuries in rear-end auto accidents, proving that property damage to a vehicle does not correlate to the degree of injury a person may suffer.

The National Highway Traffic Safety Administration (“NHTSA”), part of the Department of Transportation, has stated that bumpers of automobiles are not safety features intended to prevent or mitigate injury severity to passengers.   Further, it isn’t possible to determine how fast a car was going during a rear end crash by looking at a damaged bumper.   A rear-end car crash and its effect on the occupant is a complex matter that cannot be decided simply by looking at property damage to a vehicle alone.

Chronic Injuries.

Further, the amount of property damage is not correlated with whether an individual will sustain chronic pain from crash injuries. In other words, if there was enough force to cause an injury, it could become chronic, regardless of the amount of vehicle damage.  For example, whiplash injuries can be suffered in any type of crash but occur most often in rear-end collisions. Studies have shown that even relatively low-speed crashes can cause whiplash injury and other debilitating injuries.

Wiseman Bray Attorneys at LawThanks to our friends and contributors at Wiseman Bray PLLC who have significant experience in personal injury litigation and in fighting for auto accident victims in Tennessee.  Contact Wiseman Bray PLLC today if you need an Auto Accident Lawyer Memphis, TN  depends on time and time again.

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Surgery Alternatives to Treating Sciatica

If you have sciatica as a result of a desk job, you likely feel intense pain in several areas of your body, including your back, legs and hips. This pain can be debilitating and prevent you from doing everyday work tasks. Some days it may even be difficult to get out of bed. You may think that your only treatment option for this condition is surgery. However, there are several non-surgical ways to treat sciatica, and you may be eligible for workers compensation.

Pain Medication Treatment

For Treatment, there are a few over-the-counter pain medications that can provide pain relief from sciatica. They do this by decreasing inflammation throughout your body. If these medications are not enough to treat your pain, your doctor may be able to prescribe muscle relaxants or narcotic medications.

Heat and Ice Treatment

If you experience acute sciatic pain, it’s helpful to alternate between heat and ice treatments, like heating pads and ice packs. Aim to apply heat or ice to the affected area every hour. You can alternate between hot and cold treatments.

Chiropractic or Manual Manipulation

If your sciatica is in the early stages, it may be beneficial to go see a chiropractor. He or she will manually manipulate the spine to treat the pain. This treatment also helps align the spine. It’s important to see a licensed and reputable chiropractor to avoid and damage to the spine.


It is believed that people have been using acupuncture to treat pain since 100 BC. During this treatment, a thin needle is inserted into areas surrounding the pain location to relieve pain and pressure on the nerve. Fortunately, there is typically very little pain associated with this treatment. Many patients just feel a mild tingling sensation or dull ache. Talk with an experienced Workers’ Compensation today to determine your eligibility.

Massage Therapy

Massage therapy is another effective way to treat sciatica pain. During this treatment, a trained massage therapist will break up the muscle groups to prevent them from spasming around the painful area. This therapy is very relaxing and can make you feel great afterward. It’s a good idea to see a professional such as Stem Cells Doctor back pain Chevy Chase, MD who has experience working with people with sciatica. If your massage therapist applies too much pressure and causes pain during the treatment, don’t be afraid to speak up.


As you can see, you have many options when it comes to treating sciatica pain. You do not have to go under the knife if you don’t want to. These treatments can provide short-term relief and help you go back to work and complete your everyday tasks.

Pain & Arthritis Relief CenterA special thanks to our partners at Advanced Wellness for their expertise in Sciatica Treatment.

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Seatbelts – Your Failure to Use Them Can Hurt Your Case

Most automobile accidents are not fatal, but they can still result in serious and grievous injuries that are painful to deal with. When it comes to making a claim for injuries suffered in an auto accident, you want to ensure that you get the highest settlement possible. However, there are certain factors in auto accident claims which have to be taken into account.

One of the biggest points of contention is the use, or failure to use, a seatbelt. Despite laws requiring the use of seatbelts, many people fail to use them. The failure to use a seatbelt can cause or contribute to injuries and can result in harm to a potential personal injury claim.

Makes it Difficult to Determine Fault For Injuries

Not wearing a seat belt can make it very difficult to determine where the true fault for the injuries lies. Based on how the accident happened, fault can be shared between all of the parties to the accident.  Even if the defendant is found to have caused the accident, a jury can also find the plaintiff at fault if they weren’t wearing a seatbelt and the failure to wear the seatbelt was found to have caused or contributed to the injury. In some states, if the fault is shared 50%/50%, there won’t be any legal compensation made. Not wearing a seat belt could also be the real reason why the person experienced such major injuries from an accident that may have been harmless otherwise.

Mandated by Law

Wearing seatbelts is mandated by law in almost all states and not wearing one can not only make it difficult to file a claim, it might also mean that you end up having to pay a fine for not wearing one. In some cases, there might even be some other punishment to deal with, too. State laws play a huge role in determining the penalties that a person has to pay for not wearing a seatbelt, and each state has a different set of laws dealing with this.

Can Make Your Insurance Claims Ineligible

Insurance companies can be notoriously difficult when it comes to claims for injuries from an automobile accident. In some instances, the fact that you weren’t wearing a seat belt, despite being legally obligated to wear one, can work against you. The incident can be viewed as a preconceived attempt to self-harm in the hopes of getting compensation. This might make you ineligible to receive compensation or might cause you to receive a smaller amount than what you might have otherwise been entitled to receive.

The Exception to the Rule

In some instances, not wearing a seat belt can be less important if evidence can be provided to show that the injuries suffered would not have been avoidable even with the help a seatbelt. While you won’t be able to side avoid any legal fines for not wearing a seatbelt, you will still be eligible to receive the full amount of compensation you are otherwise entitled to receive. In such instances, it is always best to seek legal advice from a seasoned personal injury attorney such as the such as the Personal Injury Lawyer Delray Beach FL locals trust, to understand what kind of outcome you can expect.

Luckman LawThanks to our partners at Luckman Law for their expertise on Personal Injury Law.

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Are Stem Cell Doctors Real Doctors? | Rispoli & Borneo Law

Many people wonder if chiropractors and Stem Cell Doctors are real doctors or not. Some of them are, and others aren’t. Experienced Professionals such as the Chiropractor Gaithersburg, MD locals trust, are specially trained to adjust your spine and other areas of your body after a Personal Injury. Let’s take a closer look at what chiropractors do and how they are trained.

Chiropractor Training

The first chiropractic adjustment was performed in 1895 and many people have found pain relief for their neck and spine with these treatments since then. A chiropractor must first obtain a four-year degree from a college in an area related to the sciences. Then, he or she has to attend chiropractic school for four years and receive hands-on training.

All states in U.S. make it mandatory for chiropractors to possess a Doctor of Chiropractic degree and a certificate from a Council of Chiropractic Education college. A chiropractor is also required to take an exam and continued education classes to keep their certificate current.

What do chiropractors do?

Chiropractors treat many part of the body including cartilage, bones, nervous system, tendons, ligaments and muscles. They don’t just treat joint disorders either. Chiropractors also treat various illnesses, like constipation and colic in babies. Many auto accident, slip and fall, and personal injury victims work with chiropractors to help heal their injuries.

What Is a Chiropractic Treatment?

a chiropractic treatment, a chiropractor uses his or her hands to relieve pain in various parts of a person’s body, like the back, neck, shoulders, arms, hips and legs.

your first appointment with a chiropractor, he or she will ask you information about your medical history and give you a physical examination. Your chiropractor may also give you x-rays to find out what exactly is going on with your spine.

Once the examination is over, your chiropractor may ask you to lie down on a padded table and touch your spinal area to make adjustments. Do not be alarmed if you hear popping or cracking because it is perfectly normal. It is just air releasing from between the joints.

If you were hurt because of someone else’s negligence, you may be able to get reimbursed for your chiropractic treatments through your injury claim. Schedule a meeting with an experienced personal injury attorney to discuss your case. He or she can evaluate your case for free and improve your chances of obtaining the compensation you deserve for your injuries. If you have any evidence pertaining to your case, don’t forget to bring it with you to the consultation.

Pain & Arthritis Relief Center A personal thanks to our authors at Pain and Arthritis Relief Center for their insight into Chiropractic care.

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Your Legal Options If Workers Compensation Denied Your Claim

Every year, many Americans suffer a job-related injury that can result in lost employment, medical expenses, and emotional distress. While workers’ compensation is intended to provide the employee with compensation for his or her injuries, you may find that your claim is denied. We understand that this can be a devastating blow for many individuals, but we can help you take the necessary steps to receive worker’s compensation, even if your claim was initially denied.


According to the Bureau of Labor Statistics, in 2015 there were over 2.9 million nonfatal workplace injuries and illnesses in the private sector. They ranged from catastrophic workplace accidents to long-term medical conditions brought on by unhealthy working conditions. All too often, injury claims are unjustly denied in order to maximize the insurance company’s profit margin.


Steps to Take When Your Workers Compensation Benefits Have Been Denied


It is important to understand that you must move quickly once your workers’ compensation claim has been denied. Most states have strict time limits beyond which it may be difficult or impossible to appeal the denial of your claim. For this reason, it may be beneficial to take the following steps:


  • Contact your employer or their workers’ compensation insurance carrier. While uncommon, some denials are the simple result of misplaced paperwork and can be quickly resolved.
  • Obtain information about your state’s deadlines for any appeals. It is extremely important to ensure that you do not miss any of these dates during your appeal.
  • Make certain that you have all relevant paperwork to back up your claim of injury, including your doctor’s findings, documentation of lost wages and medical expenses, and any findings by state or local regulatory agencies about the nature of the accident. You should make multiple copies of this information and keep it in a secure location.



The Appeals Process and a West Palm Beach Workers’ Compensation Lawyer


The appeals process for a workers’ compensation claim can be extremely complex. You will be required to provide proof of the nature of your injury, often in the face of your employer’s attempts to deny responsibility for your injury or medical condition. Because of the complexity of these cases, having proper legal representation can dramatically improve the probability that the appeal will be successful.


In most cases, the first appeal will be held at an administrative hearing. We can help ensure that your information is both complete and presented in a way that will maximize its impact. In fact, many individuals fail to prevail at this level simply because they are unable to properly present their case to the judge.


Ensuring That You Obtain Full Compensation for Your Injury


Individual components of your claim may be denied or the insurance carrier may claim that you are ready to go back to work while you are still recovering from your injury. Working with a skilled attorney is a vital part of ensuring that you receive the compensation you deserve for the full treatment duration for your injury or illness.


Ultimately, we understand that being denied compensation for your workplace injury can be a severe economic and emotional blow, especially if you are depending on your workers’ compensation to make up for lost wages and medical costs. However, we can help you take the steps you need in order to reverse an unfair denial of your claim. This can enable you to receive the financial and medical help you need in order to recover from a workplace injury or illness.

Thanks to our friends and contributors at the Law Offices of Franks, Koenig, & Neuwelt for their insight into workers compensation practice.

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What Is My Personal Injury Case Worth?


What Is a Personal Injury?
A personal injury is an injury to the body, mind, or emotions, but does not include damage to personal property. For example, if you’re hit by a motorist, you have experienced a personal injury and might be entitled to legal compensation to treat your injury.
A personal injury is a tort claim that could be a result of negligence, intentional, or strict liability. A claim for personal injury can be filed against an individual, a business, or a corporation or a combination of parties. The two main aspects of personal injury are the amount of liability and/or damages received.
How Do I Know I Have a Serious Personal Injury?
A qualified legal professional can help you determine the extent of your injuries and damage as they qualify for a claim or lawsuit. Personal injury law is a complex set of laws that may require an attorney in order to receive maximum compensation.
Common personal injuries include spinal, brain, neck, whiplash, pain, and suffering. A personal injury attorney has the experience and expertise to deal with the applicable laws, courtroom proceedings, and negotiations with insurance companies.
How Do I File a Personal Injury Claim?
You can file a personal injury claim without an attorney in a small claims court, but it may be a difficult challenge to handle on your own. For cases involving more than a few thousand dollars in damages, most victims opt to hire an experienced Las Vegas personal injury lawyer. For the amount of money involved, most people don’t want to risk losing the case by representing themselves.
  • An attorney will help you file within the strict statute of limitations associated with a personal injury claim.
  • An attorney will know how best to fight the liable person and their insurance company.
  • An attorney can help you file a personal injury claim against someone who is underinsured or without insurance.
What Is My Personal Injury Case Worth?
Your damages and the compensation for them is determined by a multiplier that an attorney is qualified to calculate.
  • The worth of your personal injury claim is based on your medical bills and how much you should receive for pain and suffering.
  • Mental anguish is what a person has to endure as a result of the personal injury and results in additional compensation.
  • Damages may include the loss of wages, hospitalization, and/or additional out-of-pocket expenses.
  • An attorney can get you the maximum amount of compensation that you deserve for your personal injury.
Thousands of people fall victim to serious, or even fatal personal injuries each year. Young adult drivers are more likely to become a victim of personal injuries due to motor vehicle accidents. Pedestrians are also the leading victims of personal injuries claims against motorist.
Talk to a Personal Injury Lawyer
Do not sign any legal agreements without at least considering talking to an attorney beforehand. They may be able to negotiate you a higher settlement amount. In this way and others, a personal injury lawyer can defend your legal rights. If you have suffered a serious injury you deserve maximum compensation for your damages.
Nadia Thanks to our friends and contributors from Nadia von Magdenko & Associates for their insight into personal injury cases.
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