How Long Does a Car Accident Injury Settlement Take?

How Long Does a Car Accident Injury Settlement Take? If you have sustained injuries in a car crash and your medical and other bills are spiraling out of control, you naturally want to know how long it will take your lawyer to settle your case with the other driver’s insurance...

Do I Have a Personal Injury Case?

Do I Have a Personal Injury Case? Generally, when you have been hurt in a personal injury case, your first thought is to sue the responsible party. Not all cases warrant the filing of a lawsuit or even assistance from an attorney. In fact, an attorney may not even take...

Florida Jury Issues $1 Billion Verdict in Truck Accident Case

Florida Jury Issues a $1 Billion Dollar Verdict in Truck Accident Case A jury in Nassau County, Florida returned a massive $1 Billion dollar verdict against two Motor Carriers that were found to be negligent in two 2017 truck accidents that occurred on the same exact night in a similar...

Toledo, Ohio Scooter Safety Tips

https://www.youtube.com/watch?v=P8Pc-TGr34cIf you’ve been in Downtown Toledo recently, you may have seen hundreds of new electric bikes and scooters throughout the City. The City of Toledo recently announced a pilot partnership with micro-mobility company VEO to operate a scooter and bike share right here in the 419. Let’s take a closer...

What Happens to Car Insurance After Moving Out of State?

What Happens to Car Insurance After Moving Out of State? How do you handle your car insurance when you move out of state? Changing your insurance is only necessary when you have completed your move. You need to make sure your insurance from the prior state is acceptable in the...

Uninsured and Underinsured Car Insurance

Protect Yourself From Car Accidents with Uninsured Drivers 0 % Percentage of Ohio Drivers Estimated to Be Uninsured So you get into a car accident, and begin exchanging information only to find out that the person that hit you doesn’t have insurance. Unfortunately, this happens far too often – and...

Slip and Fall Injury Lawsuits in Michigan

Slip and Fall Injury Lawsuits in Michigan In Michigan, recovering compensation for a slip and fall injury can be incredibly difficult. These types of cases often require extensive litigation and the application of a nuanced framework established over years by Michigan courts. To learn more about slip and fall injuries...

What Should I Do After an Accident with a DoorDash Driver?

What Should I Do if I'm in an Accident with a DoorDash Driver? If you were in a car accident with a DoorDash driver, the legal and insurance coverage issues that could potentially arise are often complex. There is never an adequate substitute for speaking with car accident lawyers. Since you may just...

5 Thing You Should Never Do After a Car Accident

5 Things You Should Never Do After a Car Accident After a car accident, it's important to be mindful about what you do in order to protect your interests. Not only are there often complex laws governing what people should and should not do after a car accident, there are...

Conduct Board Issues Advisories on Lawyer Online Advertising

Ohio Board of Professional Conduct Issues Advisory Opinion on Lawyer Internet Keyword Marketing On June 11th, 2021, the Ohio Board of Professional Conduct issued an advisory opinion addressing the use of competitive keyword online advertising by lawyers on the internet. The advisory opinion provides some useful and important considerations for...

Can a Passenger Sue a Driver After a Car Accident?

I Was a Passenger in a Car Accident - Who Pays My Medical Bills? https://www.youtube.com/watch?v=GASMhBGLOW4 As car accident lawyers, we frequently speak to passengers that were injured in a car accident. Naturally, injured passengers often wonder who will pay their medical bills associated with the car accident. When it comes...

Injury Lawsuits Arising from Injuries From Peloton Equipment

CPSC Warns Consumers of Peloton Equipment Dangers Recently, the U.S. Consumer Product Safety Commission (CPSC) warned consumers concerning the dangers of the Peloton interactive tread machine. This was based on multiple incidents involving small children and a pet injured under the treadmill. These occurrences required the CPSC to warn of...

Two Texas Men Killed in Tesla Crash “Without Driver”

Two Reported Dead in Fiery Texas Tesla Crash Authorities in Harris County, Texas have announced that two people were killed in a Tesla crash on Sunday, April 18th, 2021. While car accident fatalities are unfortunately rather common on America's roads - this fatal car accident stands out because initial reports...

Most Common Injuries After a Car Accident

Most Common Injuries After a Car Accident Due to the sudden force involved in a typical car accident, injury can occur to nearly any part of the body. However, there are some common injuries that our team of car accident lawyers frequently encounter in representing injured victims. If you or...

Family Exclusions in Car Insurance Policies

Family Exclusions in Car Insurance Policies Protecting your family in an automobile accident is one of the most important things you can do. That should be easy enough to accomplish! Simply call your insurance agent and ask for full coverage. Perfect! Unfortunately, sometimes it is not always this simple due...

Premises Liability Injuries in Ohio

Premises Liability in Ohio https://www.youtube.com/watch?v=dt4T7sKlxSUPremises liability cases involve injuries caused by a dangerous condition on another person’s property. These cases are the most common personal injury cases in the United States. They are known as “slip and fall” cases but can be caused by different situations such as:Slipping and/or tripping...

Traumatic Brain Injuries After a Car Accident

Traumatic Brain Injuries After a Car Accident Due to the sudden force involved in a typical car accident, traumatic brain injuries are very common in vehicle collisions. The unfortunate reality is that the occurrence of serious traumatic brain injuries in car accidents are quite high. Several studies that have been...

Pain and Suffering For Injuries in Ohio

Pain and Suffering For Injuries in Ohio If you are injured in an accident which was not your fault, you may be entitled to compensation for many types of damages depending on the State where your injury occurred. Pain and suffering, is one type of damage that can be hard...

Common Back Injuries After a Car Accident

https://youtu.be/f--PRbW58Xs Common Back Injuries After a Car Accident Due to the sudden force involved in a typical car accident, back injuries are very common in vehicle collisions. The unfortunate reality is that serious spine and associated multiple injuries in car accidents is quite high. A 2017 global study of the...

Ohio Workers Compensation and Third-Party Injury Claims After an Accident

Ohio Workers Compensation and Third-Party Injury Claims After an Accident In general, when you are in an accident while in the scope of your employment, the typical recourse is to make a workers compensation claim. These workers compensation claims are first party claims against the employer. The employer pays premiums...

Standards of Care in Injury Lawsuits

Standards of Care in Injury Lawsuits The applicable standard of care in an injury case is a standard that would be exercised by a reasonable person under similar circumstances to avoid risks of harm to others. This standard can vary depending on the person or persons involved in the accident...

The Average Personal Injury Verdict in Ohio​

The Average Personal Injury Verdict in Ohio If you or a loved one have been injured - you may be wondering about the value of your personal injury claim. While it's nearly impossible to determine the true value of any individual personal injury case without knowing the specific facts involved,...

The Difference Between a Personal Injury Claim and a Lawsuit

The Difference Between a Personal Injury Claim and a Lawsuit If you or a loved one have been injured - you may be wondering about the difference between a personal injury claim and a lawsuit. Let's take a look at the key differences between these two situations in this post...

The Cost of a Personal Injury Lawyer

FAQ: What Do Personal Injury Lawyers Charge? Potential personal injury clients are often curious to know how much a personal injury lawyer costs. While different Personal Injury Firms handle financial arrangements differently - here is the standard way that the team of award winning personal injury lawyers at Sawan &...

Florida Senate Considering Ending No-Fault Insurance Law

Florida Senate Considering Ending No-Fault Insurance Law A new proposal in the Florida Senate could do away with the State's longstanding no-fault insurance laws. This month, the Florida Senate approved a bill (SB 54) that would eliminate the no-fault laws in the State. If passed, this law would eliminate the...

Florida Jury Delivers $411M Dollar Personal Injury Verdict by Zoom

Florida Jury Delivers $411M Dollar Personal Injury Verdict by Zoom The COVID-19 pandemic has affected almost all areas of our lives. For personal injury Attorneys like our team, the biggest affect has been the unavailability of jury trials. Starting as early as March of 2020, Courts throughout the Country began...

Will Insurance Cover a Personal Injury?

Will Insurance Cover a Personal Injury? If you've ever been hurt by the negligence of another, you know how it feels to wonder if your injury will be covered by an insurance policy. This is a complicated question, and it's difficult to answer thoroughly in general terms. As a foreword,...

Can You Fire a Personal Injury Attorney?

Can You Fire a Personal Injury Lawyer? Hiring a personal injury attorney can be difficult, as you might not understand the type of personality you are hiring until well after that decision has been made. Often times, clients wish they had better communication with their lawyer or otherwise disagree with...

How COVID-19 Made Trucking Injuries More Likely

How COVID-19 Made Trucking Accidents More Likely Commercial Truck drivers throughout the United States perform vital and important logistics functions. They deliver food, medicine and other vital goods - even in the face of pandemic or natural disasters. In order to do this effectively, they drive large trucks that can...

Civil Procedure for Personal Injury Lawsuits

Civil Procedure in Personal Injury Lawsuits Civil Procedure as it relates to a personal injury lawsuit is the “how” of suing someone after you have been injured by another’s negligence. Civil procedure is the body of law governing how you state your personal injury claim in court, prove your injury...

Probate for Personal Injury Settlements for Minors in Ohio

Probate for Personal Injury Settlements of Minors in Ohio If a minor is injured in Ohio, a probate court is going to have to approve any settlement from the personal injury case. It will not be enough to simply negotiate for compensation. Once the terms have been agreed to, a...

7 High Profile Celebrity Car Crashes

7 High-Profile Celebrity Car Crashes As Car Accident Lawyers, we know that a car accident can happen to anyone - at any time. This includes celebrities. Throughout the years, there have been a number of high-profile celebrity car accidents in the United States. Our team of personal injury lawyers takes...

Serious Injuries Reported in West Toledo Car Crash

Serious Injuries Reported in West Toledo Crash An unnamed Toledo driver was rushed to the hospital with serious injuries following a serious car accident that occurred around 5:49 PM on Tuesday, December 15th, 2020 in West Toledo. Reporting indicates that the driver suffered serious injuries in the car accident. As...

Drunk Driving Accidents in Ohio Lead to Serious Injury or Death

Drunk Driving Related Car Accidents Lead to Serious Injuries or Deaths in Ohio As car accident lawyers, we know how dangerous it can be to get behind the wheel while intoxicated. However, even with our extensive experience in personal injury law, we are often surprised when we see the data...

Should I Settle My Personal Injury Case or Sue?

Should I Settle My Personal Injury Case or Sue? As accident attorneys, we are commonly asked whether it makes more sense to settle a potential injury claim or pursue litigation. So what is a settlement? A settlement is a resolution of a case. It ends all litigation or prevents the need...

How to Deal With Insurance Companies After An Accident

How to Deal With Insurance Companies After an Accident Dealing with an automobile accident is one of the most difficult experiences you can have. The victims of car accidents generally have a long physical recovery while simultaneously incurring significant medical expenses and losing precious income. Due to their injuries from...

Don’t Wait to Consult an Injury Attorney After an Accident

Why You Should Never Wait to Speak with an Injury Lawyer After an Accident The COVID-19 pandemic has affected everyone's lives and made it very difficult to continue life as we knew it before the virus spread. Our lawyers represent the victims of accidents in Ohio, Michigan, Georgia, and Florida....

Minimum Insurance Requirements for Ohio Drivers

Minimum Insurance Requirements for Ohio Drivers As Car Accident Trial Attorneys, we know the devastating effects driving without insurance can cause. Drivers in Ohio are required to have proof of their financial responsibility before stepping behind the wheel. In Ohio, it is illegal to drive any motor vehicle without insurance...

What Should I Ask For After a Car Accident?

What To Ask For After an Accident No one expects to get into a car accident, so knowing what information to get at the scene is critically important. Remember that insurance companies will require certain information to process a claim – so getting it at the scene is the best...

How Does Your Car Insurance Measure Up?

Does Your Car Insurance Measure Up? As car accident lawyers, we know that not all car insurance is created equal. We also know that, too often, victims of car accidents find out too late that their coverage doesn't protect them as well as it should. So the car accident lawyers at Sawan &...

Pros and Cons of Settling a Personal Injury Case Out of Court

The Pros and Cons of Settling a Personal Injury Case out of Court As Personal Injury Trial Lawyers, the lawyers at Sawan & Sawan have settled countless cases through our combined 35+ years of legal experience. If you have been involved in a truck accident, car accident or other personal...

Biggest Jury Verdicts in Ohio History

Biggest Jury Verdicts in Ohio History As Personal Injury Trial Lawyers, the lawyers at Sawan & Sawan know how powerful a jury verdict can be. While many personal injury cases settle well before trial, many catastrophic injury cases end up in front of a jury. This is because many insurance...

Do I Need a Lawyer After a Car Accident?

https://www.youtube.com/watch?v=WrfaW_YzxSs Do I Need a Lawyer After a Car Accident? Sawan & Sawan has a team of experienced car accident attorneys who have seen a wide range of cases. In our combined 30 years of experience representing clients who have been involved in car accidents in Ohio, we know the...

How To Get an Accident Report in Cleveland, Ohio

How to Get an Accident Report in Cleveland, Ohio If you or a loved when have been in a car accident in Cleveland, Ohio - you may be wondering how to obtain the police crash report from the City of Cleveland. This guide from the personal injury lawyers at Sawan ...

How To Get an Accident Report in Columbus, Ohio

How to Get an Accident Report in Columbus, Ohio If you or a loved when have been in a car accident in Columbus, Ohio - you may be wondering how to obtain the police crash report from the Columbus Police Department. This guide from the personal injury lawyers at Sawan ...

How To Get an Accident Report in Toledo, Ohio

How to Get an Accident Report in Toledo, Ohio If you or a loved when have been in a car accident in Toledo, Ohio - you may be wondering how to obtain the police crash report from the Toledo Police Department. This guide will take you through the steps and...

Safer Streets Monthly Minute | October 2020 | Columbus, Ohio

Every month, the Columbus Car Accident Lawyers at Sawan & Sawan publish the Safer Streets Monthly Minute – a segment that educates the public about traffic related matters in their City. The Safer Streets Initiative was created by the family of personal injury lawyers at Sawan & Sawan to help...

Should I Get a Lawyer for a Car Accident That Wasn’t My Fault?

Should I Get a Lawyer for a Car Accident That Wasn't My Fault? Let’s start with this – not every car accident requires the involvement of a lawyer and you are under no obligation to hire one after a car accident. Having said that, in almost all circumstances you’re far...

ERISA Liens in Personal Injury Cases

ERISA Liens in Personal Injury Cases One particularly interesting U.S. Supreme Court illustrates some of the complexities of ERISA subrogation. In the case of Montanile v. Board of Trustees of the National Elevator Industry Health Benefit Plan. In this case, a drunk driver collided with Montanile, causing $120,000 in medical...

The Ultimate Guide to Liens in Personal Injury Cases

Liens in Personal Injury Cases https://youtu.be/0DyaY3E2FaEBasics of Liens and SubrogationSubrogation comes from the latin word “Subrogare” , which means to substitute for. In general, subrogation issues arise whenever a person is injured and someone other than the at fault parties pays some benefit or cost associated with the injury. Out...

What Should I Do If I Have Neck Pain After an Accident?

https://www.youtube.com/watch?v=p4dB_d6h83gChances are, you've heard the term whiplash before - but you may not understand how debilitating it is until you've suffered from it yourself. According to the Mayo Clinic:Whiplash is a neck injury due to forceful, rapid back-and-forth movement of the neck, like the cracking of a whip.We frequently see...

Sawan & Sawan named Top Lawyers for Truck Accidents in Toledo, Ohio

Sawan & Sawan named Top Truck Accident Lawyers by Expertise.com Sawan & Sawan has been named among the top truck accident lawyers in Toledo, Ohio by the website expertise.com. The website considered 236 firms and lawyers in the Toledo, Ohio metro area, and concluded that Sawan & Sawan was among...

5 Things You Should Never Do After a Car Accident

5 Things to Avoid After a Car Accident If you or a loved one have been involved in a car accident, truck accident, motorcycle accident or other personal injury accident,  you know how confusing and uncertain things can be. After a car accident, it is important to act carefully and...

Study Shows Personal Injury Settlements are up to 3.5x Higher With a Lawyer

IRC Study Shows the Benefits to Hiring a Personal Injury Lawyer If you or a loved one have been involved in a car accident, truck accident, motorcycle accident or other personal injury accident,  you're likely debating whether you should hire a personal injury lawyer. This is a fair question, but...

What’s the Difference Between a Personal Injury Claim and a Lawsuit?

Whenever you or a loved one is injured due to the carelessness or negligence of another, it is vitally important that you understand how the law allows you to recover compensation. At it's most general, personal injury cases are resolved in one of two ways:  A settlement of an insurance...

5 Mistakes to Avoid in a Personal Injury Case

After a personal injury, you may need to seek fair compensation for your injuries in a personal injury claim or lawsuit. With over 35 years of combined legal experience, our family of lawyers knows how complicated personal injury cases can be. For those that are unfamiliar with the complex laws...

Who Pays For Pain and Suffering After an Auto Accident?

After being injured in a car accident, many clients understandably wonder "what is my case worth?" This is sometimes a difficult task to determine, as every insurance company uses different methods and formulas to value a personal injury claim. However, in general, the value of a car accident claim takes...

Questions to Ask After an Accident

What To Ask After a Car Accident https://www.youtube.com/watch?v=OQVuEa360xE What are the questions you should ask after a car accident? Sawan & Sawan has experience representing the victims of automobile negligence and we put together the following answers to several frequently asked questions for those in car accidents. If you have...

Explaining Georgia’s Good Samaritan Law

Explaining Georgia’s Good Samaritan Law You may have heard the term "good samaritan laws", but do you really understand how these laws can impact a car accident claim? Since the early 1960's, the State of Georgia has had a Good Samaritan law in effect in some form or fashion. However,...

Negligence in Georgia Personal Injury Cases

Negligence in Georgia Personal Injury Cases Speak to a Lawyer today Fill out the contact form below and a lawyer will contact you to discuss your case.When it comes to filing a lawsuit for a personal injury, one of the critical aspects of the case will be proving negligence. Proof...

Filing an Automobile Insurance Claim

Hurt in a Car Accident? When you are in an automobile accident you are very vulnerable due to both your emotional and physical state. Knowing how to proceed in making claims against either the other person's insurance company or your own is necessary for your well being. The goal in resolving your claims...

Does Not Wearing a Seat Belt Affect Car Accident Claims?

Does Not Wearing a Seat Belt Affect Car Accident Claims? Since 2004 wearing a seat belt while either driving or as a front seat passenger has been mandatory. Ohio Revised Code 4513.263 states: (B) No person shall do any of the following:(1) Operate an automobile on any street or highway...

I-75 Construction in Toledo, Ohio

The I-75 Downtown and DiSalle Bridge project began in 2018, and is expected to be completed in 2022. The purpose of this project is to do the following: Widen and reconstruct I-75, from Buck Rd. to Dorr St., to current standards, including reducing the curve between Wales Rd. & Miami...

Winter Driving Tips

With chilly temperatures of winter set in, are you and your vehicle ready for the cold? Here are some tips to keep you and your loved ones safe on the road this winter.  https://www.youtube.com/watch?v=5gpjRgpbOGA Know Your Car​ Every vehicle handles differently, and this is particularly true when driving on wet,...

Caps on Damages in Ohio Personal Injury Claims

In a previous article we discussed the caps on damages in a personal injury case.  To reiterate as to non-economic damages the amount of compensatory damages loss is capped at the greater of $250,000 or an amount that is equal to three times the economic loss, as determined by the jury, not...

Comedian Kevin Hart Involved in a Serious Car Accident

On Saturday, September 1st, 2019, Actor and Comedian Kevin Hart was involved in a serious car accident near his home in Calabasas, California. According to reports, the 1970 Plymouth Barracuda was being driven by Hart's driver, Jared Black, when he lost control of the vehicle - causing it to go off the...

The 10 Worst Insurance Companies in America

In our 30+ combined years of representing injured victims, we’ve learned that not all car insurance companies are created equal. While many are honest, fair and diligent – we can’t say the same for others. Far too often, we see car insurance companies use tactics designed to give them an...

Chiropractors and Car Accidents

In many car accidents, injuries can occur that can cause bodily pain of various kinds. It is possible that the victim of the car accident seeks treatment at a chiropractor in an effort to obtain relief from their pain. As car accident lawyers, we’ve seen situations where these chiropractic bills...

10 Most Dangerous Intersections in Toledo, Ohio

The Ohio Department of Transportation ("ODOT") recently released a report detailing the 150 most dangerous intersections throughout the State of Ohio. Of those 150 - more than a dozen were located right here in Toledo, Ohio. As Car Accident Attorneys, we know the devastation that car related injuries can cause....

Paying Medical Bills After a Car Accident

If you've been in a car accident, you know all to well that managing your finances can be very difficult while you recover from any injuries. Aside from your injuries from an automobile accident, the next most stress filled issue is how do you get the medical bills paid? Most...

Uber and Lyft Car Accidents and Car Insurance

Uber/Lyft Accidents and Car Insurance 2018 was another huge year for rideshare services – as companies like Uber and Lyft continue to disrupt the broader mobility market. It’s been a little over 5 years since passengers all over America started reaching for their cellphones to hail a ride – and...

Lost Wages and Emotional Distress After Car Accidents

Lost Wages and Emotional Distress After a Car Accident Can you sue for lost wages and emotional distress after a car accident? The short answer is yes, you can recover for wage loss and emotional damages after car accidents. The law in Ohio strives to make an injured party “whole”...

Understanding Automobile Gap Insurance

Understanding Automobile Gap Insurance​ Collision insurance covers damage to your vehicle, but is frequently not sufficient to pay off the total amount of the car loan if you’ve been in a serious car accident involving a total loss. Many of my clients find this out the hard way after a...

Truck Accidents Require Special Legal Skill

Do You Need a Lawyer for a Truck Accident? Trucking accidents are unlike a lot of other car accidents on the road. While the sheer size of a truck often means that the damage caused in a truck accident is much greater than a typical motor vehicle accident, there is...

10 Tips to Avoid Motorcycle Accidents

10 Tips to Avoid Motorcycle Accidents We’ve all seen the “share the road” stickers, but you may be wondering the best practices for keeping motorcyclists safe on the roads. Due the relatively small size of motorcycles, visibility is often diminished. As a result motorcyclists are at an increased risk of...

Common Car Accident Insurance Forms

Common Car Accident Insurance Forms After a car accident that was not your fault, it’s likely that you will receive paperwork from the responsible party’s insurance company. Obviously, the party’s insurance company will want you to sign these as fast as possible, but we advise pausing before you sign anything....

Accident Reconstructionists and Truck Accidents

When you have been hurt in a truck accident, the most important focus should always be on getting better. Your injuries can be extremely severe after a truck accident, and it may require extensive periods of inpatient hospitalization, multiple major surgeries and treatments, rehabilitation and more. The problem is that, in...

After a Car Accident, Dash Cams Can Supply Video Evidence

After a Car Accident, Dash Cams Can Supply Video Evidence Whether your involved in a fender bender, or a serious car collision – a dash cam can quickly become your best friend. It also can help you capture clues that can help the authorities if your vehicle is stolen or...

Car Safety Tips for Traveling With Children

Car Safety Tips for Traveling with Children The good news is that, according to the Center for Disease Control, fatal car accidents involving children continue to decline. The CDC has reported that during the last decade, fatal crashes involving kids decreased by 43 percent. While this is great step in the...

Who is the Victim in a Car Accident?

Who is the Victim in a Car Accident? Imagine you are driving home minding your own business when suddenly a car runs a stop sign and smacks your car broadside. You are confused, dazed and shocked about what just happened. All of a sudden you are surrounded by people, police...

What Car Insurance Companies Don’t Want You to Know

Under Ohio law, car insurance companies have a legal duty to act fairly in the processing of your claim. However, far too often, we see car insurance companies use tactics designed to give them an upper hand and reduce how much they have to pay on your car accident claim....

How to Handle Car Accidents Between Friends

Handling Car Accidents Between Friends Imagine you’re a passenger in your best friend’s car – and she crashes into the car ahead of her. For many of our clients, this is more than imagination – it’s reality. Being injured in a car accident involving friends can be extremely uncomfortable for...

Should I Go to the Hospital After a Car Accident?

Should I Go to The Hospital After a Car Accident https://www.youtube.com/watch?v=jbeToEPone0If you’ve been in a car accident, you may be wondering if you need to seek medical attention. While there is no one answer to this, it is always better to be safe than sorry. Below, we outline some common...

The Elements of a Car Accident Lawsuit

The Elements of a Car Accident Lawsuit Car accident lawsuits involve proving four main elements: duty, breach, causation and damages. If you, as the Plaintiff, can prove all those elements of your case, you should have no problem winning at trial and probably will be able to obtain a favorable...

Four Tips When Making Car Accident Insurance Claims

Four Tips When Making Car Accident Insurance Claims For those who don’t deal with insurance claims on a frequent basis, getting injured in a car accident can be a crippling and overwhelming experience. Aside from the stress of recovery, one is left to navigate the often perilous insurance claims process...

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