David E. Smith

In the area of personal injury law, when tragedy strikes and negligence or recklessness is at play, someone must be held accountable. Typically, this accountability falls on insurance companies. That is, once we can prove that the other guy caused the accident or injury, we need to prove that there’s an insurance policy that must pay the damages. Most injury cases are settled rather than tried in court, and the amount of money the victim can get may depend on the specific language in the insurance policies. Before discussing with an insurance company how much we feel they owe for the injury,...