News & Articles

What is the Texas Prompt Payment of Claims Act and why does it matter after a crash or injury? Which Texas insurance claims are covered by the TPPCA and which are not? What are the insurer deadlines for prompt payment of claims in Texas? What penalty interest and attorney’s fees apply if my insurer pays […]

What does “California policy limits disclosure” mean and why does it matter after a crash? What must an insurer disclose about policy limits once a California lawsuit is filed? Do California insurers have to disclose auto policy limits before a lawsuit? What are California’s time-limited demand (TLD) requirements and how do they impact policy limits […]

Community context and incident overview What we know so far from Oklahoma Highway Patrol Where it happened: OK-48 near OK-48A and local road realities Injuries and outcomes reported Why head-on crashes on rural highways are so deadly Speed, evasive maneuvers, and multi-vehicle chain reactions Rights and options after a fatal or serious injury crash in […]

Texas truck crashes, enforcement slowdowns, and why it matters now What we know about the recent Texas crashes described Why Texas construction zones and freight corridors see severe truck crashes Texas civil rights after a truck crash and potential liability paths Critical evidence in truck cases and how it is preserved First 7–14 days after […]

What we know about the West Third Street crash in Santa Rosa Key questions families ask after a serious injury crash involving children Potential civil liability and insurance paths Immediate practical steps to protect health, rights, and evidence Where to get official records and help in Sonoma County Child passenger safety and replacing car seats […]

Incident overview and known facts Location context along Highway 135 and Highway 1 What investigators typically examine in two-vehicle collisions Injury considerations and immediate care after a crash How to obtain official records and information California Highway Patrol collision report EMS and hospital medical records Coroner or autopsy records (if a fatality occurs) Traffic and […]

What is an insurance loss run report? How is an insurance loss run different from a CLUE or claims history report? Why do insurance loss run reports matter in a personal injury case? When can loss runs or claims histories be requested in civil discovery? What do federal evidence rules say about using insurance and […]

What is a hammer letter and how does a hammer clause work? How is a hammer letter different from a Stowers demand or policy-limits demand? Will a hammer letter help my case or hurt it? What do Texas, California, and Illinois law say about insurers who refuse reasonable settlements? Texas: What is a Stowers letter […]

What is a product recall and how does it intersect with a product liability claim? Which federal laws and agencies govern recalls that may affect your defective product claim? Does a product recall automatically prove or defeat a recalled product lawsuit? How do recalls impact strict liability, negligence, failure to warn, and breach of warranty […]

Who pays first after a multi-car crash? How do primary and excess auto liability policies interact? In Texas, whose policy is primary after a chain-reaction crash? In California, which policy pays first under the Insurance Code? In Illinois, how is insurance priority determined after a pileup? How do PIP, MedPay, and UM/UIM affect who pays […]