You’ve seen news stories, heard reports, and learned about risks, but you never thought it could happen to you. Suddenly, you’re one of those people you used to see on television, badly hurt in a car accident, by an 18-wheeler or commercial truck, in a workplace accident, or by a dangerous product.

It’s a frightening experience. When you’re injured and scared, you don’t know whom to trust or how you will pay for all of the damages you face. Your life is turned upside down, and now you’re forced to cope with the physical, mental, and financial consequences.