That's a tactic insurance companies use frequently to reduce their payout. The police report is a critical piece of evidence here, and if it establishes the other driver as the primary cause, that carries significant weight. We also work with accident reconstruction specialists who can analyze the collision dynamics, vehicle damage patterns, and witness statements to build a clear picture of fault attribution.

Yes, that's called a medical lien, and it's very common in personal injury cases. Your health insurer has a subrogation right — meaning they can seek repayment from any settlement proceeds. However, these liens are negotiable. Our attorneys routinely negotiate lien reductions, often significantly, which maximizes the amount you ultimately take home. It's a standard part of the settlement process we handle for you.

That's a legitimate concern and something we see in multi-vehicle accidents. When the at-fault driver's policy limits are insufficient, we pursue additional avenues: your own underinsured motorist coverage, any commercial or fleet policies if applicable, and in some cases, claims against other involved parties. We do a thorough policy audit to make sure no source of recovery is left on the table.