Hanover offers access to trails, fields, and rivers that make off‑road riding part of everyday life. When a day on an ATV, UTV, snowmobile, or dirt bike ends in injury, the path forward can feel overwhelming. Metro Law Offices helps injured riders and passengers understand their rights, deal with insurance, and pursue fair compensation. We handle cases involving trail collisions, rollovers, defective parts, and unsafe property conditions. Our team is based in Minnesota and serves Hanover and surrounding communities with attentive, hometown care. If you or a loved one was hurt in a recreational incident, call 651-615-3322 for a free consultation and a clear plan for what to do next.
Recreational vehicle crashes are different from typical roadway accidents. Coverage can come from auto policies, recreational endorsements, landowner policies, or manufacturer liability insurance. Evidence is also unique—helmet damage, trail conditions, GPS data, and GoPro footage can all matter. Prompt guidance helps preserve proof and protect your claim’s value. At Metro Law Offices, we coordinate medical documentation, investigate fault, and communicate with insurers so you can focus on healing. Whether your crash happened near the Crow River, on a private farm trail, or in a designated riding area around Hanover, we’re ready to step in. Reach out early to understand your options and avoid costly missteps with statements or releases.
Off‑road crashes often involve complex insurance questions, disputed trail conditions, and multiple parties, including riders, owners, land managers, and manufacturers. Early guidance can help identify all coverage sources and preserve key evidence like vehicle data, helmet impact points, and witness accounts. The right strategy can also help you avoid recorded statements that shift blame or undervalue injuries. In Hanover, where rides can span fields, riverbanks, and shared trail systems, liability can turn on small details. Our firm organizes proof, calculates full losses, and manages negotiations with insurers. The benefit is peace of mind, fewer administrative burdens, and a stronger position to pursue medical costs, lost income, and other damages.
Metro Law Offices is a Minnesota personal injury law firm dedicated to helping people after serious accidents, including recreational and off‑road incidents. We’ve represented Minnesotans in claims involving ATVs, UTVs, snowmobiles, dirt bikes, side‑by‑sides, and trail hazards. Our approach is personal and practical: clear communication, steady guidance, and thorough case preparation aimed at fair results. We understand how local terrain, weather, and land‑use policies in places like Hanover can affect liability and coverage. From the first call to resolution, we keep you informed and ready for each step. Contact us at 651-615-3322 to discuss your situation and get answers without pressure.
Off‑road injury representation focuses on incidents that occur away from public streets, such as crashes on private land, designated trails, lakes, or open fields. These cases often involve unique vehicles—ATVs, UTVs, snowmobiles, dirt bikes—and specialized equipment like helmets, harnesses, and aftermarket parts. Claims may be based on unsafe riding behavior, negligent maintenance, defective components, or hazardous property conditions. Because multiple insurance policies can apply, it’s important to identify coverage early and preserve evidence promptly. Our role is to guide you through investigation, medical documentation, fault analysis, and insurance negotiations so your claim reflects the full impact of the injury on your life and future.
In Hanover, recreational riding often blends public access points with private land use, which can complicate liability. A careful review of trail rules, signage, visibility, and rider conduct helps clarify responsibility. We also examine protective gear, vehicle condition, and whether a product defect contributed to the crash. Medical records, imaging, and provider opinions help quantify harm and future care needs. We coordinate these pieces to build a compelling claim that insurance carriers take seriously. Throughout the process, you’ll have clear communication and support, from the first consultation through negotiation or litigation, with a steady focus on restoring stability for you and your family.
Recreational and off‑road claims cover injuries that happen while operating or riding vehicles like ATVs, UTVs, snowmobiles, and dirt bikes, or while participating in activities on trails, lakes, or private property. These claims can stem from rider negligence, unsafe trail maintenance, poor visibility, or product failures such as faulty brakes, helmets, or tires. They may also involve landowner responsibility if hazards were known or should have been addressed. Even if no public roadway is involved, you may still have insurance benefits available through recreational policies, homeowners coverage, or auto endorsements. A careful assessment helps determine fault, identify coverage, and evaluate the full scope of losses.
A strong off‑road case begins with prompt investigation and credible documentation. Essential elements include clear liability theory, proof of negligence or defect, medical records showing injury and treatment, and evidence of financial losses. Photos, trail maps, riding apps, GPS files, and helmet or vehicle damage can support what happened and why. Insurance review is equally important, since benefits may come from multiple sources. Timelines matter, so early action helps preserve physical evidence and witness memories. Our process balances thorough fact‑gathering with practical communication, keeping your claim moving while you focus on your health and daily responsibilities.
Off‑road injury cases use terms that can be unfamiliar at first. Understanding a few key concepts will help you follow the process and make informed choices. The terms below frequently arise in Hanover recreational claims and can affect the outcome of your case. If any definition raises a question about your situation, we’re happy to explain how it applies and what steps make sense next.
Comparative fault is a rule that allocates responsibility for a crash among everyone involved. If more than one person shares blame, compensation may be adjusted according to each party’s percentage of fault. In off‑road cases, this can arise when visibility is limited, trail etiquette is disputed, or a rider’s speed and lookout are questioned. Comparative fault does not automatically end a claim, but it can influence strategy and negotiation. We address it by gathering clear evidence, analyzing trail conditions and gear, and presenting a detailed picture of how the incident occurred and who had the last clear chance to avoid harm.
The statute of limitations is the legal deadline to bring a claim. In Minnesota, time limits can vary based on the type of claim, the parties involved, and the facts. Waiting too long can bar recovery, even if the case is otherwise strong. Off‑road incidents can involve several potential claims—negligence, product liability, or premises liability—each with its own timeline. Because evidence like trail conditions, tire marks, or digital data can fade quickly, we recommend speaking with a lawyer promptly after an injury. Early action helps protect your rights while facts are fresh and records are easier to obtain.
Uninsured and underinsured motorist coverage, often called UM/UIM, may help when the at‑fault person has no insurance or not enough to cover your losses. In recreational cases, UM/UIM could be available through an auto policy or a recreational endorsement, depending on the policy language and vehicle type. This coverage can play a major role after hit‑and‑run incidents or when a rider’s policy limits are low. We review your policies, evaluate stacking or coordination opportunities, and identify all potential sources of recovery so important benefits are not overlooked during negotiations.
Product liability applies when a defect in a vehicle, helmet, tire, or component contributes to an injury. Defects can involve design, manufacturing, or inadequate warnings. In an off‑road setting, common issues include brake failures, tire delamination, throttle problems, or protective gear that performs below reasonable expectations. Proving a product case often requires preserving the item, documenting damage, and working with qualified analysts. These claims can run alongside negligence claims against riders or landowners, potentially increasing available coverage. Taking steps to secure and store the vehicle and gear after a crash helps keep this option viable.
After an off‑road crash, you can handle the claim yourself, hire a lawyer for limited help, or retain full representation. Self‑management can work for straightforward property claims or very minor injuries, but it carries risk if complications arise. Limited help might include document review or a behind‑the‑scenes strategy session, which can be sufficient when liability is clear and treatment is brief. Full representation offers end‑to‑end support, from preserving evidence to negotiating or litigating. The right choice depends on injury severity, disputed fault, number of parties, available coverage, and your comfort negotiating with insurers.
If your injuries are minor, treatment is brief, and the other party’s insurer accepts responsibility, a limited approach can work. You might request a consultation to understand documentation and valuation, then handle communication yourself. Keep records of every appointment, mileage, and out‑of‑pocket cost. Photograph the scene, vehicle, and gear, and save any digital files from GPS or riding apps. Before signing any release, confirm that future symptoms are unlikely and that all bills are accounted for. A short, targeted review by a lawyer can help ensure you are not overlooking coverage or missing important proof.
When there are no injuries and fault is straightforward, you may be able to resolve a property‑only claim with basic documentation. Provide clear photos, repair estimates, and purchase or upgrade records to support value. Be cautious with recorded statements, and confine comments to property details if asked. If the adjuster raises unexpected issues, a brief strategy call can be helpful. Keep your damaged parts and do not dispose of them until the claim closes. If injuries later appear, stop negotiations and seek medical attention, then reassess whether limited help remains appropriate.
More significant injuries call for a thorough approach that protects your health, finances, and long‑term well‑being. Coordinating medical records, future care estimates, and wage documentation takes time and attention to detail. We help assemble the right proof, manage communication with insurers, and position the claim for a settlement that reflects the full impact on your life. With serious harm, it’s also important to investigate all liability paths, including product and premises claims. This comprehensive strategy can expand available insurance and reduce the risk of undervaluation during negotiations.
Off‑road crashes often involve groups of riders, shared trails, and changing conditions. When several people are involved or liability is contested, a full strategy helps sort out responsibility and protect your rights. We gather statements, analyze trail maps, preserve vehicle and helmet evidence, and review policy language across all potential sources. Coordinated action also reduces the risk of conflicting statements and missed deadlines. If negotiations stall or coverage disputes arise, your case will already be positioned for litigation, keeping momentum and leverage on your side.
A thorough approach ensures that important details are captured early and presented clearly. From documenting the crash scene to organizing medical proof, we focus on accuracy and completeness. This foundation helps counter defenses based on comparative fault, preexisting conditions, or gaps in care. It also guides valuation by highlighting both current and future needs, including rehabilitation, modifications, and time away from work. Strong documentation gives insurers fewer opportunities to discount your claim and makes it easier for you to make informed decisions about settlement versus litigation.
Comprehensive representation also reduces stress. We coordinate with providers, track deadlines, and communicate with insurers so you can focus on recovery. If your case benefits from expert analysis, we help arrange it and translate findings into plain language. Should a manufacturer or landowner be involved, we align claims to avoid conflicting statements. This steady, coordinated effort supports better outcomes and maintains leverage through each stage of negotiation. If court becomes necessary, your case is already organized and ready, which can shorten timelines and improve clarity for everyone involved.
Trail conditions change quickly. Weather, grooming, and ongoing use can erase skid marks, ruts, or debris patterns within hours. Early evidence preservation captures these details before they’re gone. We help secure photos, videos, GPS files, and witness information while requesting that vehicles and gear be preserved for inspection. This material can be decisive when liability is contested, or when a product defect or maintenance issue is suspected. By acting promptly, we strengthen your position, protect against speculation, and build a detailed narrative that insurers and juries can understand.
Off‑road cases may involve several insurers, each with different obligations and timelines. Coordinated communication ensures consistent statements, complete documentation, and timely responses. We organize submissions to medical, recreational, auto, or homeowner carriers and monitor benefits to avoid gaps. Clear, unified messaging reduces confusion and minimizes opportunities for adjusters to discount or delay claims. This approach helps align valuation with the true impact of your injuries, creates a reliable record for settlement talks, and keeps your claim moving even when multiple parties are involved.
Photos and videos taken immediately after the crash can make a meaningful difference. Capture the trail surface, lighting, signage, ruts, debris, and any marks on the ground. Photograph the vehicle from all angles, paying attention to damaged components, tires, and aftermarket parts. Preserve your helmet and riding gear in their post‑crash condition. Save GPS or riding app data, and note weather and visibility. Ask witnesses for contact details and keep all communication short and factual. This documentation helps establish what happened and supports your claim when adjusters challenge liability or minimize injuries.
When safe, report the crash to appropriate authorities, land managers, or property owners, and request a copy of any report. Do not rush repairs or dispose of damaged parts, helmets, or accessories. These items can reveal impact angles, product defects, or maintenance issues that influence liability and coverage. If a tow or storage facility is involved, document chain‑of‑custody and fees. Let your lawyer know where the vehicle and gear are stored so inspection can be arranged if needed. Preservation keeps important options open, including potential product or premises claims.
If you’re facing medical bills, missed work, or persistent pain after a recreational crash, legal guidance can help you understand coverage, protect your rights, and avoid common pitfalls. We explain how comparative fault may affect recovery, identify available insurance, and build a timeline for decision‑making that fits your goals. Many people call simply to confirm next steps and learn what to say to adjusters. That early conversation often prevents costly mistakes and sets a steady course toward resolution. When you’re ready, we take on the legwork so you can prioritize healing.
Hanover riding conditions can change quickly with weather and land use. That makes early documentation and coordinated claims especially important. We help preserve physical evidence, gather witness information, and manage communication with insurers to keep your claim on track. If multiple parties or potential defects are involved, we align the investigation to avoid conflicting statements and missed opportunities. Whether your case resolves through negotiation or requires a lawsuit, you’ll have a plan designed around your needs and a clear understanding of each step before decisions are made.
We represent Hanover riders and passengers in a wide range of off‑road incidents. These include trail collisions with other riders, single‑vehicle rollovers linked to ruts or hidden obstacles, and crashes involving unsafe signage or visibility. We also handle product cases stemming from helmet, tire, brake, or throttle failures and claims against landowners when hazardous conditions were not addressed. Winter brings snowmobile incidents on trails and lakes, often involving speed, ice, and visibility factors. Each case is unique, which is why a tailored investigation and careful policy review are so important.
Rollovers can occur when a rut or soft shoulder catches a tire, when a vehicle is overloaded, or when visibility is reduced by dust or low light. After a rollover, secure medical care and keep the vehicle and gear unchanged if possible. Photographs of tire tracks, ground conditions, and any nearby hazards help clarify causation. If passengers were involved, gather their accounts promptly while details are fresh. We evaluate whether trail conditions, maintenance, driving behavior, or a component failure contributed to the incident and pursue the appropriate claims against responsible parties.
Snowmobile crashes often involve packed snow, ice, low‑contrast lighting, and changing trail markers. Collisions may happen during group rides or at intersections where visibility is reduced. Gather helmet and sled photos, note lighting, temperature, and wind, and identify any groomer activity or recent maintenance. We assess rider conduct, signage, line of sight, and potential mechanical issues to build a complete picture. Insurance coverage can come from multiple policies, so early review helps prevent delays. Our goal is to coordinate evidence and benefits while you focus on recovery and time with family.
Product failures can turn a manageable crash into a serious injury. Helmet shell or strap failure, tire delamination, and brake or throttle problems are examples we frequently evaluate. Preserve the gear and vehicle exactly as they are, and document the make, model, serial numbers, and purchase history. Avoid repairs or disposal until a legal review occurs. We work to determine whether design, manufacturing, or inadequate warnings played a role, and coordinate claims so that product and negligence theories support rather than undermine each other. This combined approach can expand available coverage and improve overall recovery.
You deserve attentive representation that fits your life. We pair local insight with careful case management, focusing on evidence, medical documentation, and the insurance paths most likely to deliver results. Communication is central to our approach—you will always know what we’re doing and why. Our team understands how Minnesota’s seasons and terrain affect off‑road riding, and we apply that understanding to liability analysis and negotiation. From Hanover trail crashes to product claims, we tailor strategy to your injuries, your recovery, and your goals.
Insurance carriers move quickly to shape the narrative after a crash. We move quickly, too, preserving proof, coordinating records, and presenting a clear claim package that addresses liability and damages. When settlement talks begin, we are prepared with documentation and valuation support. If a fair agreement is not possible, we are ready to file suit and continue the effort. Every step is designed to keep momentum on your side while minimizing stress and time away from family, work, and treatment.
We offer a free, no‑obligation consultation and charge no upfront fees. Our contingency fee arrangement means you pay attorney’s fees only if we recover compensation for you. This structure aligns our interests and allows you to pursue your claim without added financial strain. We also advance case costs when appropriate and keep you updated on expenses and options. If you have questions about fees or how the process works, we’ll explain everything in plain language before you make any decisions.
Our process is built to be thorough and understandable. We start by listening and identifying your goals. Then we answer immediate questions about medical care, insurance, and evidence. Next, we investigate liability, gather records, and coordinate proof, including photos, gear, and digital data. We evaluate value by considering medical needs, time away from work, and daily life impact. With a well‑documented file, we pursue settlement or move toward litigation if needed. Throughout, you will receive regular updates and clear recommendations so you can make informed choices with confidence.
Our first meeting focuses on your story, injuries, and concerns. We review how the crash occurred, what treatment you’ve received, and what you need in the short term. We identify urgent steps, like preserving the vehicle, notifying insurers, or coordinating benefits. You’ll leave with a clear plan for next actions and an understanding of how we will build your claim moving forward. This foundation helps prevent missteps, such as premature releases or recorded statements that don’t reflect the full picture.
We take time to understand what happened, how you were hurt, and what a good outcome looks like for you. This includes medical needs, work obligations, family pressures, and long‑term concerns. We also discuss practical items like transportation, therapy schedules, and how to manage bills while the claim progresses. Your goals guide our approach, pacing, and communication style. Aligning on priorities at the start helps keep the process efficient and focused on results that matter to you.
Right away, we identify what evidence exists and what needs to be preserved. That can include scene photos, dash or action cam footage, GPS files, helmet and vehicle condition, and witness details. We also review potentially applicable coverage, including recreational policies, homeowners, auto endorsements, medical payments, and UM/UIM. Early review prevents overlooked benefits and guides the investigation. We set up a plan for collecting records and communicating with insurers so the file grows in a focused, organized way.
During investigation, we build the liability case and document damages. We obtain medical records, wage information, and provider opinions, and we examine trail conditions, signage, and vehicle or gear issues. If a product defect is suspected, we secure the items and consider appropriate analysis. We compile a comprehensive demand package that explains fault, connects injuries to the crash, and substantiates losses. This preparation positions the claim for meaningful negotiation and helps resolve disputes efficiently.
We gather medical imaging, treatment notes, and billing to explain the full course of care. Employment records and statements help verify missed work and reduced earning capacity. We also document daily life impacts, including limitations, pain levels, and activities you can no longer enjoy. Photos, maps, and diagrams clarify how the crash occurred. Together, this evidence creates a clear, credible record that supports liability and valuation. Strong documentation encourages timely, fair offers and provides a solid base if litigation becomes necessary.
We evaluate medical costs, wage losses, future care needs, and non‑economic harms. With input from providers and the facts of your case, we prepare a demand package tailored to the adjuster’s review process. The submission connects evidence to damages and presents a logical path to resolution. This focused presentation cuts through delays and provides a practical framework for negotiation. If a coverage dispute or liability challenge arises, we address it directly with targeted proof and, when necessary, formal legal action.
With a complete file, we negotiate for a fair result. Our goal is to resolve your claim efficiently, without sacrificing the value supported by the evidence. If settlement is not achievable, we move to file suit and keep your case on track through discovery and, if needed, trial. At every point, we explain options and likely timelines so you can make informed decisions. This readiness helps maintain leverage and ensures momentum toward a final resolution.
We use the demand package and supporting records to push for a fair settlement. Communication is clear and documented, focusing on liability proof and the real‑world impact of your injuries. If the carrier raises new issues, we respond with targeted evidence and keep discussions moving. We consult with you on every offer, explaining strengths, weaknesses, and practical considerations so the decision reflects your priorities.
If settlement is not reasonable, we file suit within the applicable deadlines and continue the evidence‑based approach in court. We prepare you for each stage in plain language, coordinate with providers and witnesses, and keep you informed about timing and next steps. Our aim is to reduce stress, protect your rights, and present your case clearly. Whether the matter resolves through mediation, settlement, or trial, we stand with you until the finish line.
Start with safety and medical care. Move out of harm’s way if you can, call 911, and seek an evaluation even if symptoms seem modest. Photograph the scene, vehicle, and gear, noting lighting, weather, and trail conditions. Gather witness names and contact information. Save any GPS or riding app data, and avoid altering or repairing equipment. Report the incident to appropriate authorities or land managers when applicable. Refrain from admitting fault or speculating. Contact Metro Law Offices at 651-615-3322 for guidance on preserving proof and navigating early communications with insurers. Within the next few days, follow up with your medical provider, keep records of bills and mileage, and start a simple symptom journal. Do not give a recorded statement before understanding your coverage and rights. Preserve the vehicle and helmet in their post‑crash condition. Share your insurance information with your lawyer so potential benefits can be identified and coordinated. Early organization makes later negotiations more effective and helps protect the full value of your claim.
You may still have a claim if you weren’t wearing a helmet. Minnesota follows comparative fault principles, meaning compensation can be adjusted based on each party’s share of responsibility. Not wearing a helmet might be raised by insurers, but it does not automatically end your case. Liability still turns on how the crash happened, rider behavior, trail conditions, and whether equipment or property hazards played a role. Thorough documentation of the incident and injuries is essential. We recommend prompt medical care and preservation of all evidence, including photos, witness accounts, and vehicle or gear condition. Your medical records and provider opinions help connect injuries to the crash and explain how a helmet might have changed outcomes, if at all. Our team addresses comparative fault arguments with focused evidence, ensuring your claim reflects the facts rather than speculation. A careful approach can keep negotiations fair and grounded in the record.
Minnesota law sets deadlines to bring personal injury claims, and the specific timeline can vary based on the type of claim and the parties involved. Waiting too long can bar recovery even when liability is clear. Off‑road incidents sometimes involve multiple legal theories—negligence, product liability, or premises liability—each with its own potential deadline. Because time can pass quickly while you recover, it’s wise to act promptly. Beyond legal deadlines, practical timelines matter. Trail conditions change, vehicles are repaired, and memories fade. Reaching out early allows us to preserve evidence, review coverage, and set a plan that fits your treatment and goals. If you’re unsure about the timing, call 651-615-3322. We can assess your situation, explain applicable time limits, and help ensure important steps are taken before any deadline expires.
Responsibility may extend beyond the rider who struck you. Potentially liable parties can include the vehicle operator, the vehicle owner, landowners responsible for dangerous conditions, event organizers, maintenance providers, or manufacturers if a defect contributed. Each scenario calls for a tailored investigation that examines conduct, visibility, signage, trail maintenance, and equipment performance. We collect photos, witness statements, and digital files, preserve the vehicle and gear, and review policy language across all involved parties. This comprehensive look helps avoid missed coverage and conflicting statements. Even if you believe fault is shared, you may still recover compensation under comparative fault rules. Our goal is to identify all viable claims and position your case for a fair resolution.
If the other rider is uninsured or leaves the scene, benefits may still be available. Your own policy might include uninsured or underinsured motorist coverage that applies, depending on the vehicle and policy language. Other potential sources can include recreational endorsements or household policies. Prompt notice to insurers is important, and statements should be limited until you understand your rights. We review your coverage, pursue hit‑and‑run options, and coordinate benefits to prevent gaps. Preserving evidence is vital in these cases, especially when the at‑fault rider cannot be identified. Photos, gear, and digital data help prove what occurred. We will guide you through the claim process and work to secure available compensation despite the insurance challenges.
Medical bills may be paid by a mix of coverage, including health insurance, medical payments coverage, or other applicable policies. In some cases, auto or recreational endorsements provide benefits, while in others, treatment may run through health insurance with subrogation to be addressed later. It’s important to present claims in the right order to maximize benefits and reduce out‑of‑pocket costs. We help coordinate benefits, communicate with providers, and track balances to maintain clarity. If liens or reimbursements arise, we address them during settlement discussions. Keeping copies of bills, explanations of benefits, and mileage records strengthens your file and protects your recovery. Our team’s goal is to manage the moving parts so your medical care continues without unnecessary financial strain.
Most cases resolve through negotiation, but going to court can sometimes be necessary to achieve a fair outcome. Whether litigation is likely depends on liability disputes, coverage challenges, and the extent of your injuries. From the start, we prepare your case as if it may go to court, which strengthens negotiation and ensures readiness if filing becomes the best path. If a lawsuit is filed, we guide you through each stage, from discovery to mediation and, if needed, trial. We’ll explain what to expect in plain language and help you prepare for any testimony or medical examinations. Even during litigation, many cases settle before trial. Our goal is to protect your rights and move efficiently toward resolution.
Claim value depends on several factors, including medical costs, time away from work, pain and emotional distress, and how the injury affects daily life and future plans. Liability strength and available insurance also influence outcomes. We avoid quick assumptions and instead rely on records, provider input, and a careful review of the facts to support valuation. As treatment progresses, we update the assessment to account for new information, potential future care, and any lasting limitations. This dynamic approach helps prevent undervaluation and keeps negotiation grounded in evidence. While no lawyer can promise a result, a well‑documented file improves your chances of a fair settlement or, if necessary, a strong presentation in court.
It’s generally better to understand your rights before giving a detailed or recorded statement. Adjusters are trained to ask questions that can reduce the value of your claim or shift responsibility. If you do speak, keep it brief and factual, and avoid opinions or speculation about fault. Do not guess about injuries or recovery timelines. We can handle communications on your behalf or prepare you for conversations if you prefer to speak directly. A short consultation often prevents misunderstandings and protects important coverage. By organizing key facts first, you reduce the risk of statements being taken out of context and ensure your claim is presented clearly and consistently.
Metro Law Offices offers a free consultation and charges no upfront fees. We work on a contingency basis, which means attorney’s fees are collected only if we obtain a recovery for you. This allows you to pursue your claim without taking on added financial pressure while you heal and get back to daily life. We explain the fee structure in writing and answer any questions before you decide how to proceed. We also discuss case costs, such as records and expert analysis, and how those are handled. Transparency is central to our approach so you can focus on recovery with clear expectations from day one.
