Personal injury claims and insurance disputes, one of the most decisive factors in determining the value of a case is the defendant’s insurance coverage. The concept seems straightforward: a client suffers damages, an insurance policy covers those damages, and a settlement or judgment should account for the full extent of the losses. In reality, however, the process is far from...

The immediate focus is usually on recovering physically and emotionally. But once the dust settles, financial realities come into play. One of the most crucial factors influencing how much compensation an injured party can realistically obtain is something called policy limits. Understanding how to research policy limits and why they matter is essential for any claimant. This knowledge helps...