When you're injured because someone else acted carelessly, the consequences reach into every part of your life. Medical bills pile up. You miss work. You're in pain. And on top of all that, you're expected to deal with insurance companies who have every financial incentive to pay you as little as possible.

When you file a claim with your own insurance company, you expect them to review it accurately and pay what your policy says they owe. That does not always happen. Insurers may delay your payment, offer far less than your loss is worth, or deny coverage using policy language that does not apply.