Injury claim news and analysis
Changes in state law, crash reporting practice, and how claim valuation actually works. Every item cites its source.
The Texas CR-3 crash report: what it proves, and what it does not
The CR-3 records an officer’s observations, including contributing factors and any citation issued. None of that is a legal determination of fault, and in Texas the report itself is generally not admissible to prove negligence. It still matters, because it is usually the first document an adjuster reads.
Why two settlement calculators give you completely different numbers
The common approach multiplies medical bills by a "pain and suffering multiplier". The multiplier is chosen, not derived, which is why two calculators can differ by a factor of three on identical inputs. A defensible estimate has to start from the rules that actually decide the claim.
Two years on: what Florida’s move to modified comparative negligence changed
Florida used to reduce a claimant’s recovery by their share of fault and nothing more. Since the 2023 tort reform, a claimant found more than 50% at fault recovers nothing at all. That turns a question of degree into a threshold question, and it changes how seriously an insurer treats a disputed-liability crash.