Duty:We all have a duty to act responsibly and keep others safe.
Breach of Duty:Occurs when a party fails to exercise reasonable care to others.
Cause in Fact: Did the other party's breach of duty cause the accident or your injuries?
Damages: Pain and suffereing, lost wages, car repairs, etc.
Life is unpredictable. No matter how careful, and eventually you may need to face an insurance company to recover funds for damages inflicted by the negligence of another. In a perfect world, the responsible party admits fault, the insurance company agrees to pay, and you get the money you deserve with no problems. This almost never happens. There is always the risk of insurance company taking advantage of your inexperience and denying the coverage that is rightfully owed. Remember, insurance companies make money by not paying claims. Without the proper legal representation,.