If you were hurt while riding in an Uber, Lyft, taxi, or as a passenger in a friend’s car in Harris, you may be facing medical bills, missed work, and confusing insurance questions. Minnesota’s no-fault system interacts with liability policies and rideshare coverage tiers, and the details can shape your recovery. Metro Law Offices helps people in Harris and across Chisago County understand their options and move forward with confidence. From documenting the scene to coordinating treatment and claims, we aim to reduce the stress so you can focus on healing. Call 651-615-3322 to speak with our team about your situation and next steps.
Passenger and rideshare cases often involve multiple insurers, different policy limits, and questions about app status or who caused the crash. Even when fault seems clear, your compensation can hinge on timely filings, accurate medical records, and strong documentation. Our goal is to protect your rights under Minnesota law, preserve key evidence, and position your case for fair compensation. We serve Harris residents with practical guidance and steady communication, whether your claim resolves through negotiation or requires litigation. If you’re unsure where to begin, we can walk you through the process in plain language and help you avoid missteps that could affect your recovery.
After a crash, most people just want the bills paid and life back on track. Yet rideshare and passenger claims can become complicated quickly. Coverage may depend on whether a driver had the app on, whether a ride was accepted, and how Minnesota’s no-fault benefits interact with liability insurance. Having a legal team means someone is coordinating benefits, protecting deadlines, and pushing back when insurers undervalue injuries or blame the wrong person. We gather evidence early, organize your medical documentation, and communicate with adjusters so you don’t have to. The benefit is peace of mind and a clear strategy aimed at reaching a result that reflects the true impact of your injuries.
Metro Law Offices is a Minnesota personal injury law firm dedicated to helping injured passengers, rideshare users, and families in Harris and throughout Chisago County. We understand the local roads, the insurers that operate here, and the expectations within Minnesota courts and claims departments. Our approach is hands-on: we prioritize communication, timely updates, and careful file preparation. Every case gets thoughtful attention, from initial intake to resolution, with an emphasis on thorough documentation and practical advocacy. Whether your matter calls for early settlement discussions or a lawsuit, you will have a steady team working to advance your interests at each step. Call 651-615-3322 to connect with us today.
Minnesota is a no-fault state, which means your own Personal Injury Protection (PIP) benefits typically help with initial medical bills and certain economic losses, no matter who caused the crash. In passenger and rideshare cases, those benefits may come from your policy, a household policy, or the vehicle you were in. Beyond no-fault, additional claims may be made against at-fault drivers and, in rideshare situations, against the rideshare’s liability policies depending on app status. The path forward depends on injuries, coverage layers, and evidence of fault. We help you sort these pieces, evaluate options, and build a plan tailored to your circumstances in Harris.
Rideshare claims add unique twists. When a driver is logged into the app, different coverage may apply than when the app is off. If a ride is accepted or a passenger is on board, additional liability limits can come into play. Determining the correct carrier and policy tier requires timely records, screenshots, and trip confirmations, along with police reports and witness statements. As your medical care progresses, accurate documentation anchors your claim and helps show how the crash affected work, daily living, and long-term recovery. We coordinate these moving parts so your claim reflects the full picture and remains on track with Minnesota’s requirements.
A passenger claim arises when you are injured while riding in someone else’s vehicle, including friends, family, taxis, or rideshares. A rideshare claim typically involves an Uber or Lyft vehicle and may include passengers, other motorists, pedestrians, or cyclists injured in a crash. These matters can involve multiple at-fault parties, such as a distracted driver who struck your rideshare or a rideshare driver who made an unsafe turn. The claim may include no-fault benefits, liability insurance, and potentially underinsured or uninsured motorist coverage. Our role is to identify all viable avenues of recovery, preserve evidence early, and guide you through the process from treatment to resolution.
Successful claims often hinge on prompt medical care, strong documentation, and clear liability evidence. We encourage clients to keep photos, contact details, and ride records, and to follow medical advice so there are no gaps in care. From there, we gather police reports, witness statements, and insurance information to establish responsibility. We coordinate no-fault benefits, evaluate liability coverage, and prepare a demand package that fully presents your injuries and losses. Negotiations with insurers can follow, and in some cases filing a lawsuit becomes the path to fair compensation. Throughout, we keep you informed and prepared for each decision point, step by step.
Understanding the language of Minnesota insurance can make your claim far less confusing. You may hear terms like PIP, bodily injury liability, underinsured motorist coverage, and comparative fault. In rideshare cases, the app’s status can determine which policy applies and at what limits. We translate these concepts into plain English and show how they affect medical payments, wage loss, and settlement value. Knowing where benefits come from, what evidence matters, and when to escalate a claim helps protect your rights. If a term is unclear, ask us—clarity early in the process makes every later step more efficient and effective.
Personal Injury Protection, often called no-fault or PIP, is the first layer of coverage for medical bills and certain economic losses after a Minnesota crash. It generally applies regardless of who caused the collision. In passenger situations, PIP may come from your own policy, a household member’s policy, or the vehicle you were riding in. PIP does not prevent additional claims against an at-fault driver; it simply provides early benefits while fault is evaluated. Keeping accurate treatment records and receipts helps ensure PIP pays correctly and that later claims reflect the full scope of your injuries and expenses.
Rideshare coverage often changes based on app status. Generally, if the app is off, the driver’s personal policy applies. When the app is on and the driver is available, a different level of rideshare coverage may be in place. Once a trip is accepted or a passenger is onboard, higher liability limits can apply. Establishing status may require screenshots, trip logs, or company records. Because coverage tiers affect whose policy pays—and how much—prompt collection of proof is vital. We work to secure the records necessary to align your claim with the correct insurer and policy level from the start.
Bodily Injury Liability coverage pays for injuries another person suffers when a driver is legally responsible for a crash. In passenger and rideshare cases, this coverage can come from a personal auto policy, a rideshare policy, or both depending on app status and fault. Policy limits cap what insurers pay under this coverage, so identifying all applicable policies is an important part of maximizing recovery. Even when liability seems clear, insurers may dispute the nature of injuries, treatment history, or value of non-economic losses. Thoughtful documentation and timely advocacy help position your claim for a fair outcome.
Comparative fault is a rule that allocates responsibility among drivers and sometimes others involved. In Minnesota, your recovery may be reduced if you share blame, and recovery can be barred if your share exceeds a certain threshold. Insurers may raise comparative fault to minimize payouts, even for passengers, by arguing pre-existing conditions or alternative causes of injury. We gather evidence early—photos, witness statements, medical evaluations—to meet these arguments. The goal is to present a clear narrative of how the crash happened and how it affected your life, so any fault arguments are addressed with strong, timely proof.
After a crash, you can try handling the claim yourself, work with a legal team for guidance and negotiation, or file a lawsuit if settlement talks stall. Self-handling can seem faster, but adjusters may push for recorded statements and early releases that limit future recovery. Legal representation provides structure—evidence collection, benefit coordination, and strategy—while you concentrate on healing. Litigation can become necessary when liability is disputed or insurers undervalue injuries. We help you weigh timing, costs, and potential outcomes for each option. With clear expectations, you can choose a path that fits your goals and situation in Harris.
If injuries are minor, liability is obvious, and the insurer accepts responsibility promptly, a limited approach may make sense. This can include focusing on completing medical care, submitting clean records, and confirming that no-fault benefits and property damage payments are processed correctly. You still want to avoid quick releases before the full extent of injuries is known, but streamlined claims can resolve without extended disputes. We can help review paperwork, identify any coverage gaps, and ensure you do not leave important benefits unclaimed. Even simple cases benefit from organized documentation and careful attention to timing and policy language.
When injuries are limited and your main concern is repairing or replacing a vehicle, a concise property damage strategy may be appropriate. Getting estimates, photographs, and repair invoices together promptly can shorten turnaround time. We also look at rental reimbursement or loss-of-use options where applicable. If bodily injury issues are minimal, keeping the claim focused can help you move forward quickly while preserving the right to pursue medical claims if symptoms develop. We guide you on what to sign, what to keep, and how to communicate with adjusters so you close the property portion without giving up important protections.
Serious injuries, evolving symptoms, or contested liability call for a broader approach. These cases demand thorough investigation, timely communications with multiple insurers, and careful damage modeling to account for future care and wage loss. We work with your providers to capture the medical story, gather witness accounts, and secure crash data when available. Disputes may arise about pre-existing conditions or the mechanics of injury. A comprehensive plan builds the record needed to meet those arguments, preparing the claim for meaningful negotiations and, if necessary, litigation. The objective is to pursue a resolution that reflects the full impact on your life.
Rideshare claims often involve layered coverage: personal auto policies, rideshare policies, and potentially underinsured or uninsured motorist benefits. Establishing which policy applies—and in what order—can be the difference between an underpaid claim and fair compensation. We confirm app status, request company records, and align medical documentation with the timeline of the ride. When insurers disagree about responsibility or point fingers at each other, a comprehensive strategy ensures your claim doesn’t fall through the cracks. We manage deadlines, coordinate benefits, and position the case for negotiation or suit so that each responsible party is held to its obligations.
A comprehensive approach brings structure to a stressful time. It means every piece of your claim—medical care, wage loss, property damage, and future needs—is tracked and documented from the start. We aim to prevent gaps in treatment, missed deadlines, and undervalued damages by coordinating records and communications in one place. For rideshare matters, we also align app status, trip data, and policy layers so coverage questions are answered early. This reduces surprises, shortens delays, and strengthens negotiation leverage. Ultimately, a complete plan supports a resolution that better reflects the true costs of an injury, both now and down the road.
Comprehensive representation also means you receive clear guidance at each decision point. We explain options in plain language and provide candid feedback on risks and likely timelines. With a full picture of evidence and coverage, you can decide when to negotiate, when to wait for medical clarity, or when to litigate. This balanced approach helps avoid hurried settlements that fail to account for ongoing symptoms or future care. Our focus is on practical results for Harris residents: timely benefits, a well-supported damages presentation, and a path that fits your goals rather than a one-size-fits-all playbook.
In the aftermath of a crash, you may juggle appointments, referrals, and bills while fielding calls from multiple adjusters. We centralize the process. Our team helps track treatment plans, obtain records from providers, and ensure bills flow to the correct insurer—no-fault, health insurance, or liability—at the right time. This coordination reduces administrative headaches and strengthens the medical narrative, showing how injuries developed and responded to care. With a clear, consistent timeline, we can present your damages more effectively and correct misunderstandings quickly. The result is a stronger claim and fewer distractions while you focus on recovery.
Rideshare and passenger claims may implicate several policies. We identify all potential coverage, verify limits, and determine priority—no-fault, bodily injury liability, underinsured, and uninsured motorist benefits. Proper sequencing can open additional sources of recovery and prevent premature closures that leave benefits unused. We also address subrogation and liens, coordinating with health insurers or providers to resolve balances in a way that protects your net recovery. By aligning evidence with the correct policies and documenting the full scope of loss, we aim to position your case for the most favorable outcome available under Minnesota law.
Save photos of the scene, vehicle positions, and visible injuries. Keep copies of trip receipts, screenshots from the rideshare app, and any messages from drivers or companies. Ask for the incident number from law enforcement and gather contact details for witnesses. Start a simple journal noting pain levels, missed work, sleep issues, and daily limitations; these details help demonstrate how the crash impacted your life. Share new medical records with us as they arrive so we can keep your file updated. Strong, organized documentation early on speeds up claim handling and supports a fairer evaluation of your losses.
Insurance representatives may request recorded statements or quick releases soon after a crash. Be polite, but avoid guessing about symptoms or timelines. Decline to sign settlement papers until we review them. What seems like a simple question can later be used to minimize your injuries or shift responsibility. If an adjuster presses for details you’re unsure about, let them know your attorney will follow up. We handle communications and provide information in a way that protects your rights. This approach keeps your claim accurate, preserves leverage for negotiations, and reduces the risk of mistakes that could limit recovery.
Legal support can be especially helpful when injuries interfere with work, when multiple policies are involved, or when liability is contested. Passengers and rideshare users often face overlapping coverage questions that demand timely, accurate answers. We step in to coordinate benefits, manage evidence, and keep the claim on schedule. The goal is to prevent paperwork mistakes, missed deadlines, and undervalued settlements. With representation, you gain a clear plan for medical documentation, property damage, wage loss, and future care. This structure helps you concentrate on recovery while we push the claim forward in a steady, organized way.
If you are unsure whether your injuries will resolve quickly, it can be risky to accept early offers. Waiting for medical clarity, with guidance, often leads to a better understanding of long-term needs. We can also help address liens, coordinate with health insurers, and navigate disputes among carriers. Our team provides regular updates and straight talk about options and likely timelines. For Harris residents, that means local support from a Minnesota firm familiar with regional roads, courts, and insurers. When you have questions, you will know who to call and what to expect next.
We regularly help people injured as passengers in friends’ vehicles, riders hurt during rideshare trips, and pedestrians or cyclists struck by rideshare drivers near pick-up and drop-off zones. Multi-car collisions at intersections in Harris can involve disputed liability and multiple insurance carriers. We also see claims where the rideshare app status is unclear, leading to questions about which policy applies. In each case, early evidence collection and consistent treatment are vital. Our role is to determine available coverage, coordinate no-fault benefits, and press the liability claim with clear documentation that reflects the true impact of the crash on your daily life.
When you’re hurt inside an Uber or Lyft, the policy that applies can depend on whether a trip was in progress or the driver was waiting for a ride request. We work to secure trip data, confirm app status, and identify all coverage that may respond. Your no-fault benefits may help with early bills, while liability coverage can address broader losses. We’ll coordinate medical records, wage documentation, and proof of activities you can no longer perform. This organized approach allows us to present a clear picture of your injuries and pursue a resolution that accounts for both immediate and longer-term needs.
If a rideshare vehicle hit your car, bike, or you as a pedestrian, determining app status and fault becomes central. We gather photos, witness statements, and official reports to establish responsibility, then evaluate the rideshare policy tier that may apply. No-fault benefits may address initial medical costs, but we also look to liability coverage for pain, suffering, and other losses. Our team handles communications with insurers, works to resolve property damage, and builds a medical record that reflects the full scope of harm. We aim to move the claim forward efficiently while you focus on recovery and stability.
Being hurt while riding with someone you know can feel awkward, but insurance exists for this reason. We help you access no-fault benefits for medical needs and evaluate liability coverage if another driver caused the crash—or if your driver shares responsibility. Our focus is on coverage, not personal blame, and we handle communications with insurers to keep relationships intact. We also advise on documenting symptoms and following medical guidance so your claim reflects the real impact. From coordinating benefits to negotiating with carriers, we protect your rights while keeping the process as respectful and low-stress as possible.
We focus on practical results: clear communication, organized files, and steady advocacy. From the first call, we work to understand your goals and create a plan that fits your situation. Our team coordinates no-fault benefits, investigates liability, and gathers the records needed to present a strong damages picture. You’ll receive candid guidance about options, risks, and timelines so you can make informed choices at each stage. We aim to reduce the stress of the process and help you move forward with confidence.
Local knowledge matters. We serve Harris and communities throughout Chisago County, and we understand how Minnesota’s no-fault system interacts with rideshare coverage. When carriers disagree or delay, we press for answers and keep your claim on track. Our firm is accessible—when questions come up, you will know who to call and what to expect. Whether your case resolves through negotiation or litigation becomes necessary, we’ll prepare thoroughly and advocate for a fair outcome based on the full impact of your injuries.
Affordability should not be a barrier to getting help. We offer free consultations and handle personal injury cases on a contingency fee, which means you pay no attorney’s fees unless we obtain a recovery for you. During your consultation, we will explain fees and costs in plain language so there are no surprises. Our goal is to provide strong, accessible representation for Harris residents who need steady guidance after a crash. Call 651-615-3322 to get started.
Our process is built to keep you informed and protected. We start by listening to your story, identifying coverage, and coordinating immediate benefits. Next, we investigate liability, organize medical records, and prepare a demand package that reflects your injuries and losses. We then negotiate with insurers, pushing for a fair resolution; if needed, we file suit and prepare your case for court. Throughout, we provide regular updates, answer questions, and help you weigh options. The goal is a well-documented claim and a path to recovery that fits your needs in Harris.
During your initial consultation, we review the crash details, injuries, and insurance information to map out an immediate plan. We’ll help secure no-fault benefits, coordinate early medical care, and preserve key evidence like photos, trip data, and witness contacts. You’ll get straightforward guidance on what to say to insurers, what to avoid, and how to protect your claim. We also discuss timelines and what success could look like for your situation. This foundation reduces stress and sets clear expectations for the steps ahead.
We take time to understand how the crash happened and how it affected your life. That includes reviewing police reports, medical records, and any communications with insurers or the rideshare company. We gather trip confirmations, app screenshots, and photos of the scene and injuries. These materials help us confirm coverage, establish liability, and capture the early medical picture. With accurate facts and a clear timeline, we can advise on next steps and begin building a strong, well-documented claim tailored to your needs in Harris.
After we assemble the key facts, we identify applicable policies—no-fault, bodily injury liability, and any underinsured or uninsured motorist coverage. We explain how benefits interact and set up a plan for medical documentation, wage verification, and property damage. You will know which insurer handles each part of the claim and when to expect updates. We also provide practical tips to avoid common pitfalls, such as premature releases or gaps in treatment. With a roadmap in place, you can focus on recovery while we move the claim forward.
We deepen the investigation by collecting witness statements, additional records, and any available video or electronic data. Our team coordinates with your providers to obtain complete medical files and billing histories. We analyze coverage limits and prioritize claims to maximize available benefits. When the evidence is ready, we prepare a demand package that tells your story clearly, linking the crash to your injuries and losses. This thorough preparation puts us in a strong position for negotiations with the responsible insurers.
Accurate, timely evidence makes a difference. We request 911 recordings, traffic camera footage when available, and any rideshare data that can confirm app status or trip timing. We also contact witnesses early while memories are fresh and gather statements to support liability. If experts are needed, we discuss that with you, but many cases benefit most from prompt, practical investigation. The goal is to build a factual record that reduces disputes, supports negotiation leverage, and prepares your claim for litigation if it becomes necessary.
We coordinate with providers to obtain records and bills, and we help track out-of-pocket costs, wage loss, and daily limitations. Your medical timeline matters: initial complaints, diagnostic findings, and progress in therapy all contribute to a clear damages picture. We also address liens and health insurance coordination to protect your net recovery. When medical care reaches an appropriate point, we assemble a demand package that connects the evidence to your injuries and future needs, positioning the claim for meaningful settlement talks.
With evidence assembled, we open negotiations and present your claim in a detailed, organized manner. We answer adjuster questions, address disputes, and press for a result that reflects your true losses. If negotiations stall, we discuss litigation, explaining timelines, costs, and potential outcomes. Filing suit can move the case forward and, in some situations, lead to renewed settlement discussions. Throughout, you remain informed and in control of key decisions. Our aim is a path to resolution that aligns with your goals and circumstances in Harris.
Negotiations begin with a clear, evidence-backed demand and continue with focused responses to adjuster concerns. We address liability arguments, medical questions, and damages evaluations with documentation. If an offer falls short, we explain why and provide counter-support grounded in the record. Our objective is to secure a fair outcome without unnecessary delay, but we never recommend settlement unless you understand the implications and feel comfortable with the result. You will receive candid guidance and timely updates at every step.
When litigation is the right path, we file suit within the applicable deadlines and begin formal discovery. This can include written questions, document exchanges, depositions, and expert involvement when appropriate. We prepare you for each phase so you know what to expect and how to participate comfortably. Litigation often prompts renewed settlement talks, but we also prepare for trial if that becomes necessary. Our focus remains on presenting a clear, credible story supported by strong evidence and careful preparation.
Start by seeking medical care, even if you feel okay—some injuries appear hours or days later. Call law enforcement to document the crash, photograph the scene and vehicles, and gather contact details for witnesses. Save rideshare receipts, trip confirmations, and any messages from the driver or company. Avoid discussing fault at the scene. Notify your insurer promptly and keep all paperwork and bills in one place. Before giving a recorded statement or signing anything, consider speaking with our team. We can coordinate no-fault benefits, help preserve critical evidence, and guide communication with insurers. Early advice can prevent mistakes that limit your recovery. Metro Law Offices serves Harris and Chisago County residents—call 651-615-3322 for a free, no-pressure consultation about your next steps.
In Minnesota, no-fault (PIP) benefits typically pay initial medical bills and certain economic losses regardless of fault. Depending on your circumstances, PIP may come from your policy, a household member’s policy, or the vehicle you occupied. Keep records of all treatment and expenses, and give providers the correct insurance information so billing flows to the right carrier. If another driver is responsible, you may also pursue a liability claim for broader losses. In rideshare situations, app status can unlock different coverage tiers. We identify applicable policies, coordinate benefits, and protect your claim’s value through thorough documentation. Our goal is to ensure the correct insurer pays at the right time and that your total damages are presented clearly.
Fault is determined by evidence such as police reports, photos, video, vehicle damage, and witness statements. In some cases, crash reconstruction or data from vehicles and apps can help clarify events. Insurers evaluate this information to decide responsibility, and they may argue comparative fault to reduce payouts. Passengers are rarely blamed, but disputes can still arise over the extent of injuries or causation. We gather and organize evidence early to counter blame-shifting and clarify what happened. Timely statements from witnesses, consistent medical records, and accurate timelines strengthen the claim. If liability remains contested, litigation can provide tools like depositions and subpoenas to secure additional proof. Our approach is to build a solid record that supports fault and damages from the outset.
Rideshare coverage generally depends on app status. If the app is off, the driver’s personal policy usually applies. When the app is on and the driver is available, a rideshare policy may offer certain liability coverage. Once a trip is accepted or a passenger is onboard, higher liability limits can come into play. Establishing status may require screenshots, trip logs, or company records. In addition to rideshare policies, no-fault benefits and other coverages—like underinsured or uninsured motorist—may be available. We verify policies, confirm limits, and align the claim with the correct carriers. By resolving coverage questions early, we help prevent delays and ensure your medical care and damages are addressed by the appropriate insurer.
Not wearing a seat belt does not automatically eliminate your claim. Liability still depends on the driver’s conduct and how the crash occurred. However, insurers may argue that injuries were worsened by the lack of a seat belt to reduce the value of your claim. Strong medical documentation and detailed crash evidence help address these arguments. We work to show how the collision caused your injuries and how they affect your daily life, regardless of seat belt use. Clear medical records, consistent treatment, and accurate descriptions of symptoms are important. If comparative fault is raised, we respond with evidence and arguments that fairly present the realities of the crash and your injuries.
Deadlines can be shorter than you expect and may vary based on the facts of your case. There can be different time limits for no-fault benefits, liability claims, underinsured or uninsured motorist claims, and lawsuits. Because rideshare cases involve multiple insurers, it’s important to act promptly and track all timelines carefully. We recommend speaking with a lawyer as soon as practical after a crash to protect your rights and avoid missed deadlines. During a free consultation, we can review the facts, identify potential time limits, and start preserving evidence. Early guidance helps keep the claim on schedule and prevents surprises that could limit your recovery.
Adjusters often call early seeking recorded statements and authorizations. Be courteous, but avoid guessing about injuries or making statements you’re unsure about. You are not required to give a recorded statement to another driver’s insurer. Signing broad releases can allow access to unrelated medical history and may affect your claim. A short call with our office can help set boundaries and keep communications accurate. We handle insurer contacts and provide information in a way that protects your rights. This avoids misunderstandings, prevents premature settlements, and supports a stronger, well-documented claim. If you have already spoken with an adjuster, we can review what was said and guide next steps.
If the app was off, the driver’s personal policy generally applies. You may still have access to no-fault benefits and a liability claim, depending on fault and policy language. Establishing app status requires evidence like screenshots or trip records, which we work to secure promptly. Even without rideshare coverage, other policies can provide recovery avenues. Our team reviews all potential insurance sources, including underinsured or uninsured motorist coverage, which may help if limits are low. We also coordinate medical documentation and wage verification to present a complete damages picture. The goal is to align your claim with the correct insurer and pursue fair compensation based on the full impact of the crash.
Multi-vehicle collisions and rideshare cases can involve several insurers. Each carrier may try to minimize responsibility, leading to delays or conflicting decisions. We track communications, confirm coverage layers, and document liability with photos, reports, and witness statements. Organizing this information early helps prevent the claim from stalling. When disputes persist, we escalate with detailed demands and, if appropriate, litigation. Lawsuits can provide tools to gather additional evidence and move the case toward resolution. Throughout, we keep you informed about timing and options, ensuring the strategy fits your goals and the realities of your injuries and recovery.
Case value depends on many factors: the severity and duration of injuries, medical treatment, wage loss, impact on daily activities, and how liability and coverage apply. Early offers often reflect limited information. As medical records and other documentation develop, the full scope of damages becomes clearer. We aim to present a complete picture before any final decision on settlement. We will discuss a range of potential outcomes based on similar cases and the evidence in your file, while being careful not to promise specific results. Our role is to build leverage through thorough preparation and practical advocacy, then advise you on whether an offer fairly reflects your losses now and in the future.
