An insurer told a victim their “top offer” was $7,000. After our firm investigated and uncovered drunk driving by the at-fault driver, we secured the $50,000 policy limits instead. After a car accident, many victims think they can handle a claim directly with the insurance company. They seem friendly, cooperative, and eager to settle quickly. But their goal is always the same: pay as little as possible. One of our clients came to us after being told by the insurer that $7,000 was their “best and final” offer. He was considering accepting it—it sounded like a decent sum. But after reviewing his case, we found a crucial detail most people would have missed: the police report showed the at-fault driver had been drinking. That single fact changed everything. We pursued punitive damages, designed to punish reckless behavior like drunk driving. Instead of $7,000, we secured the full $50,000 policy limits. That’s a $43,000 difference—simply because he had an attorney on his side. Why this matters: Without a lawyer, accident victims often: Accept lowball offers that don’t cover future care. Miss out on damages like pain and suffering or lost income. Lose the leverage of litigation, making insurers less likely to pay fairly. The Bottom Line: Insurance companies aren’t your friends. With an experienced attorney, you level the playing field, uncover the true value of your claim, and fight for every dollar you deserve.

A trucking insurer flat-out denied coverage, claiming the policy had expired. Our team dug deeper, uncovered pay logs and mileage reports, and forced the insurer to accept liability—with potential punitive damages now on the table. Our clients were seriously injured when a tractor-trailer struck their vehicle on the highway. Given the size and weight of commercial trucks, the force of the collision left them facing significant injuries, medical bills, and trauma. When we reached out to the trucking company’s insurance carrier, their response was immediate and disappointing: they claimed there was no coverage because the policy had supposedly expired before the date of the wreck. For many, a denial like this might seem like the end of the road. But for us, it was just the beginning. Instead of accepting the insurer’s word, we went straight to the source—the driver. Through careful communication, he provided critical documentation: Pay logs showing he was working on the day of the crash. Mileage reports confirming he was driving company routes at the time. These records proved beyond question that the driver was operating under the company’s authority and insurance coverage. The result: Armed with this evidence, we presented our findings to the insurer. Faced with undeniable proof, they overturned their denial and accepted coverage. Even more, their bad-faith refusal to investigate properly has opened the door for potential punitive damages. Why this matters: Insurance companies often hope accident victims will take “no” as the final word. But trucking cases are complex—multiple policies, corporate layers, and hidden records can all affect coverage. Without aggressive investigation, victims risk walking away from money they’re legally entitled to recover. The Bottom Line: Never assume an insurer’s denial is the end of your case. With persistence and the right evidence, coverage can be uncovered and justice secured.

Our client was badly injured in a hit-and-run accident. The at-fault driver fled the scene and, even if located, had no valid insurance. For many accident victims, this would mean no path to recovery—medical bills, lost wages, and pain and suffering would all go uncompensated. But this client had something that changed everything: they carried $25,000 in uninsured motorist (UM) coverage on their own auto policy. Because of this, we were able to recover the full policy limits. What could have been a total financial loss turned into a settlement that gave our client the resources they needed to heal and move forward. Why this matters to every driver: Uninsured and underinsured motorist (UM/UIM) coverage is the safety net that protects you when the at-fault driver has no insurance, too little insurance, or disappears in a hit-and-run. Without it, victims are often left paying out of pocket. Pro Tip: Always choose add-on coverage instead of “reduced-by.” With “reduced-by,” your UM limits are cut by whatever the at-fault driver’s insurance pays. Example: they have $25,000, you have $25,000 UM reduced-by → your benefit disappears. With “add-on,” your UM stacks on top. Same example: $25,000 from them + $25,000 from your UM = $50,000 total recovery. Extra safety net: Even if you don’t have UM on your own policy, you may be covered under a resident relative’s UM policy—if you live in the same household and they give permission to claim. The Bottom Line: Carrying uninsured/underinsured motorist coverage—and making sure it’s add-on coverage—is one of the smartest steps you can take to protect yourself and your family. And if you’ve been injured in an accident, especially a hit-and-run, it’s critical to work with an attorney who knows how to uncover every possible source of recovery.