The Compensation Ladder

Section 1

A Letter From David

Dear Friend,

The question I am asked more than any other, in my office, on the phone, at the grocery store, is some version of the same thing: "What is my case worth?"

It is a fair question. You have been hurt by someone else's carelessness. The bills are real, the pain is real, and the insurance company on the other side is certainly running its own numbers. You deserve better than the two answers injured people usually get: the lawyer who dodges the question entirely, and the billboard that implies every case is a jackpot. Both leave you in the dark, and I do not believe consumers belong in the dark.

So this guide does something a little different. After three decades of handling injury cases, I want to show you how claims are actually valued: the way insurance companies, defense lawyers, and juries really think about injuries. I picture it as a ladder with three tiers, and each tier has its own rungs or steps, and in these pages we will climb it together, rung by rung.

One thing you will not find here is dollar figures attached to injuries. That is deliberate. No honest lawyer can value your case from a book, and anyone who quotes you a number before understanding your facts and your medicine is guessing. What I can give you is the framework, so that when you do talk to a lawyer, any lawyer, you understand the conversation and can spot both the dodge and the overpromise.

Your health comes first, always. Get the care you need and follow your doctors' guidance. And know that I am selective about the cases I take, which is exactly why this guide is honest about the bottom of the ladder as well as the top. When you hire me, you get me, and you get the truth.

Let's Talk. Let's Win.®

Your friend,

David Hughes HarrisDavid Harris Law, P.A. • Venice, Florida

Section 2

About Your Lawyer

I am a personal injury attorney and trial lawyer. That description matters, because many attorneys who advertise for accident cases rarely (and some never) set foot in a courtroom, litigate claims, or have any jury trial experience. I have tried cases to juries, judges, and arbitrators across a career which began in 1995, and since 2003 I have devoted my practice exclusively to representing injured people and their families.

Earlier in my career I worked at a major firm that defended insurance companies against personal injury claims. I know how adjusters evaluate files, how defense lawyers build their cases, and where they look for weaknesses. Now I use that inside knowledge for one side only: yours.

I founded David Harris Law, P.A. in 2010 to practice law the way I believe it should be practiced: personally, selectively, and all in for every client I accept.

What Your David To Fight Your Goliath® means in practice

• You talk to me, not a case manager you have never met.
• I am open and honest with you about your case from beginning to end, even when the truth is hard.
• I seek your input, answer your questions, and return your calls.
• I prepare every accepted case as if it will be decided by a jury.
• I do not take a fee that exceeds what you receive as compensation. That is my personal commitment to every client.

Education and background

I earned my B.A. from American University in 1991 and my law degree from American University's Washington College of Law in 1995, where I served as Co-Chair of the National Moot Court Team and Lead Oral Advocate in national competition. Before law school I interned in the United States Senate, worked as a research assistant in the United Kingdom's House of Commons, and served as field director for a successful congressional campaign. I have practiced in Florida, Pennsylvania, and New Jersey, in both state and federal courts.

I handle serious injury and wrongful death cases across Southwest Florida, including jury trials and litigation in the state courts of the 12th and 20th Judicial Circuits and in federal court. If you are unsure whether your community is in my service area, call 941-499-1400 and ask. If your matter is outside what I handle, I will do my best to refer you to a lawyer who fits.

“Credentials tell you where a lawyer has been. How he treats you on the first phone call tells you who he is.”

Section 3

Picturing the Ladder

When people ask "What is my case worth?", what is my claim worth, what is my injury worth, I like to visualize a ladder. Every rung represents a level of compensation value, and the ladder divides into three tiers:

Where an injury lands on the ladder is never determined by the injury alone. Throughout this guide, the same factors appear again and again: the diagnosis and prognosis from medical doctors, the nature and extent of treatment, objective evidence on imaging, your age and health history, what you do for a living, and how the injury changes your daily life.

Keep that list close as you read. It is the answer to half the questions injured people ask, and it explains why two people with the same diagnosis can have very different claims.

One more note on how we will climb. We start at the top, drop to the bottom, and save the crowded middle for last. That is deliberate: the top and bottom of the ladder are the easiest to understand, and once you have seen both ends, the middle makes far more sense.

Section 4

Tier One: Catastrophic Injuries

At the very top of the ladder are the worst injuries: those so severe they affect a person, or their loved ones, at their very core, because there is no actual physical or mental recovery from them.

Wrongful death

When a family loses a loved one, that loved one is never coming back. Like all injury claims, wrongful death claims have gradients of value, and under Florida's Wrongful Death Act (Fla. Stat. §§ 768.16 to 768.26), the answers to a few critical questions drive the valuation: How old was the person who passed away? Did they have dependents, people who relied on them for their livelihood and well-being? Did they leave young children, teenage children, or fully grown adult children? Were they married, and is there a surviving spouse?

These are not academic questions. Florida law ties recoverable damages directly to the survivors the decedent leaves behind, so the same tragedy can carry very different legal values depending on the family circumstances.

Traumatic brain injury

Severe brain damage often occupies the very top rungs of the ladder, in many cases even above wrongful death. As with everything on this ladder, there are levels. The traumatic brain injuries that command maximum value are the ones that dramatically affect a person's ability to be independent: Can this person live on their own? Do they require regular medical or therapeutic care, or medical equipment, just to survive? Are they aware of their surroundings? What level of care do they need now, and what will a stable future require? Loss of mobility and loss of independence are the consequential factors in the compensation value of a severe TBI.

Spinal cord injuries and paralysis

Quadriplegia and tetraplegia, paralysis and loss of function from the neck or shoulder level down, or from the chest down where some arm function remains, sit at the very top of the ladder. This person has lost nearly everything the public, a jury, or an insurance carrier associates with an independent life: freedom of movement, the ability to work, hobbies, and the ordinary activities of daily living.

Paraplegia, paralysis and loss of use of the legs from the waist down, is likewise catastrophic. People can and do live quality lives despite these circumstances, and many are extraordinary at overcoming their limitations. But everyone evaluating the claim, jurors, healthcare providers, insurance carriers, immediately understands that any level of paralysis is catastrophic. Independence has been abridged, and independence and freedom are things people value deeply in this country, certainly here in Florida. When that loss is caused by someone else's carelessness, paralysis strikes at the heart of every evaluator, and the valuation reflects it.

Amputation

Amputation of a limb is objectively catastrophic; there is no real dispute about that. Whether it is a below-knee or above-knee amputation of one leg or both, or an arm lost above or below the elbow or at the shoulder, the loss of independence and freedom of movement increases exponentially. Much of the focus in these cases is on prosthetics and their ability to replicate what the person could once do, and of course, they never fully can. The law recognizes that permanent loss of mobility and independence.

Loss of digits is different. Fingers and toes are significant losses, each has a specific role in fine motor function, and multiple lost digits can still reach the upper rungs. But a single finger or toe, depending on which one and how it affects the person's life functions, generally will not reach the very top tier.

Why Tier One commands maximum damages

Tier One injuries fundamentally change who a person is and what their future looks like. Everyone universally recognizes them as life-altering, and the insurance company behind the at-fault party knows these are maximum-damages cases, the highest values in the personal injury space.

What truly takes these cases to another level is the projection of future costs. The lawyer's job is to assemble the right experts, physicians, life-care planners, economists, to establish the care this person will need for the rest of their life, whether in a structured environment or at home with caregivers and family participating, because no one can have a doctor present around the clock. That documented lifetime of need is what separates catastrophic results from everything else.

“Nobody wants to be in Tier One. Anyone in that situation deserves the gold standard of care at every stage of their life, and my job is to demand that the people responsible provide it. All of it.”

Section 5

Tier Three: Minor and Modest Injuries

It is easiest to go next to the bottom of the ladder: injuries that range from so minor they have no real effect, to those that have an effect but not for long. Even when symptoms linger, they do not change how somebody lives their life.

Bumps, bruises, scrapes, and small cuts

The lowest rung on the ladder. I will be the first to tell you: you do not need a lawyer for these. They typically heal within about a week, often with no medical treatment at all, not even stitches. Yes, you were hurt, and yes, it was someone else's fault. But the at-fault driver's insurance company will usually offer a modest sum to close the file and move on, and you do not need a lawyer for that. That is not a case I would accept. Some lawyers may take anything; I am not one of them.

Muscle strains and sprains

The next rungs up cover soft-tissue injuries: strains and sprains of the muscle and fascia beneath the skin, what some people loosely call "whiplash," along with low back pain. These cause genuine pain that may last two to three months, sometimes as long as six, and occasionally the symptoms are permanent.

That is why strain-and-sprain cases are among the most hotly contested claims: the entire fight is over permanency. Many doctors will say these injuries are not permanent, that they heal and resolve within two, three, or six months. Valuation is correspondingly low, near the bottom rungs even on the claim's best day. That is simply where these cases fall.

Treatment matters here, too. Chiropractic adjustments and physical therapy are conservative, palliative care, the entry level of treatment. The bills are modest, the care is meant to stretch out and resolve symptoms, and often the patient simply reaches maximum medical improvement (MMI), the plateau where the doctor or therapist says there is nothing more to be done. There is no surgical option for a simple strain or sprain, and pain management rarely intervenes. Cases like that do not move the valuation needle, either with the insurance companies paying the claim or with juries.

And on juries: after 30 years of practice, I can tell you that ordinary people, the people who make up juries, want the injuries they are asked to award money for to be of some consequence. Rightly or wrongly, strains and sprains rarely qualify in their eyes, and these claims stay near the bottom of the ladder. If you are unsure which side of this line your injury falls on, that is exactly what a free call answers: 941-499-1400.

Section 6

Tier Two: Disc Injuries and the Treatment Ladder

The middle tier covers everything else, and there is a lot of "everything else." This is the largest tier, with the most rungs, covering most disc injuries, fractures, joint injuries, and more. Where you land within Tier Two depends heavily on the structural damage shown on imaging and the level of treatment your injuries genuinely required.

Disc injuries: the anatomy and the terminology

Between each vertebra in your spine sits a disc, a soft, cushioning cartilage separator that gives you the freedom to bend and flex, while nerves exit the protected spinal cord through small openings in the vertebrae. The neck is the cervical spine (common injury levels C3 through C7), the mid-back is the thoracic spine, and the low back is the lumbar spine (common injury levels L1 through L5 and S1).

The terminology matters, because each term carries a different compensation value:

• Bulge or protrusion. Think of it as a pre-herniation. The disc material has not pushed out of its space yet, but it looks like it is about to. Lowest value of the three.
• Herniation. The disc material has pushed out of its space and may be pinching the nerves that exit the spinal cord. Higher value.
• Extrusion or rupture. The disc material has fully pushed out, potentially pressing toward the spinal cord itself, and is plainly visible on MRI. Highest value of the three.

When disc material presses on a nerve, pain, tingling, or numbness radiates outward: from the neck through the shoulder, down the arm, and into the fingers, or from the low back down the leg into the feet and toes. That radiating pain is called radiculopathy, and it is critical evidence. It tells the doctors that something structural is pressing on a nerve.

Age, prior history, and the pre-existing condition fight

Here is a rule that applies to the bottom two tiers of the ladder (no one asks about your pre-existing back condition when you have lost an arm or been paralyzed): your existing medical condition at the time of the accident plays a huge role in valuation. Have you ever complained about your back or neck before? What does your health history show? What does the MRI actually reveal at the level where you now have complaints?

Diagnostic imaging tells us a great deal. Age-related wear and tear, bone spurs, osteophytes, degenerative changes, only comes with aging, and it shows up on film. People 25 and under are not expected to have anything going on in their spine absent heavy physical labor or a congenital issue. So when a younger person has a disc injury and a clean history, there is strong evidence of an acute, new, traumatic injury, and that generally places a herniation solidly in Tier Two, with a rupture or extrusion higher still.

By contrast, from roughly age 40 or 50 onward, disc findings are essentially expected. In 30 years of reading MRI films and reports alongside experts and treating physicians, I have yet to see someone 50 or older with a completely pristine disc profile. In that age range the MRI will almost certainly show degenerative findings, and that is exactly where the fight will be.

One critical feature helps cut through it: if the MRI film and report show edema, swelling and inflammation at the injured level, that is typically considered objective evidence of an acute, traumatic injury, and it increases the valuation. A young person with an otherwise clean MRI and traumatic findings at one level is very likely in the middle of the ladder.

The treatment ladder within the ladder

For disc injuries, what treatment you underwent largely determines your rung:

1. Conservative care. Physical therapy, chiropractic adjustments, massage, exercise. With a bulge, protrusion, or even a herniation treated only conservatively, you are generally still in Tier Three, at its top rungs, but not beyond it.
2. Trigger point injections. Small needles placed into the muscle. The entry level of interventional care.
3. Epidural steroid injections (ESIs). Guided largely by the physician's training and experience.
4. Medial branch nerve blocks. Longer needles placed under fluoroscopy (real-time visual guidance), targeted to the specific spinal levels causing symptoms, such as L5-S1, and often spaced months apart.
5. Radiofrequency ablation (RFA). Long needles, again under fluoroscopic guidance, used to deaden the nerves generating pain. RFAs are not permanent; they are typically done in sets spaced two to four months apart over the course of a year.

Crossing from Tier Three into Tier Two generally requires some level of interventional treatment. That is not me talking; that is how auto insurers value these injuries and what juries want to see. Jurors want more than your testimony that it hurts: they want your doctors to explain the structural changes, the effect on your daily life, and how your restrictions match the medicine. A herniation that has run the full interventional course without surgery lands in Tier Two, on its lower rungs.

Surgery moves the needle

What moves the needle on disc cases, pardon the pun, is surgery. It genuinely makes a difference. To reach the higher rungs of Tier Two, you are generally looking at a herniation, rupture, or extrusion that required surgery after conservative and interventional care provided some relief, but not enough. Common procedures include:

• Microdiscectomy. Removal of the offending disc material through a small incision, typically in the low back.
• Artificial disc replacement. A microdiscectomy combined with implantation of an artificial disc into the disc space.
• Laminectomy or laminotomy. Removal of part of the vertebral bone to relieve pressure.
• Spinal cord stimulator implantation. Where other measures have failed, a device (think of a pacemaker for the back) is surgically placed beneath the skin and muscle to deliver relief to the affected nerves.
• Anterior cervical discectomy and fusion (ACDF). For the neck: the surgeon goes in through the front, removes the disc material pressing on the nerves, and fuses the vertebrae. A one- or two-level ACDF places you on the higher rungs of Tier Two; jurors and insurers alike recognize it as a serious operation.

As always: age, occupation, activity level, pre-existing condition, and objective MRI evidence of trauma all factor in. And age cuts both ways: surgeons generally will not operate on patients in their 70s or 80s unless the spinal cord itself is at risk.

Quick reference: disc treatment and the rungs

General patterns, not predictions. Age, history, imaging, and credibility move every one of these placements, in both directions.

Section 7

Tier Two: Fractures, Joints, Head Injuries, and Scarring

Fractures

Not all fractures are equal, and as with everything on this ladder, circumstances control.

Hairline fractures that heal on their own, a rib, a sternum, a finger, where nothing can be done beyond the initial ER or urgent care visit and an X-ray, are painful but self-resolving. Those sit at the top rungs of Tier Three or the very bottom rung of Tier Two.

Fractures requiring medical intervention climb from there, driven by a consistent set of questions: What body part was broken, and how large is the bone? The bigger the bone, or the more the break affects your life, the higher the value. Was surgery required? Open reduction internal fixation (ORIF), surgically setting the bone, moves a case up, and if hardware was placed (plates, screws, pins, rods), you are safely in the middle of Tier Two in most circumstances. Is it your dominant side? A fractured dominant arm that affects your work carries more value than the non-dominant side. Did it keep you out of work? Wage loss adds a concrete, provable layer of damages.

Some examples of how this plays out:

• Wrist: the bones are small, but a lunate or scaphoid fracture that takes the wrist joint out of commission, fixed with small plates, pins, and screws, carries more value than a broken finger with pins, or an arm fracture that only needed a cast.
• Elbow: typically repaired with flexible wires to preserve joint movement; a decent value, but standing alone, the lower side of Tier Two.
• Tibia/fibula ("tib-fib"): surgery with plates and screws generally lands in the lower-to-middle rungs of Tier Two, but these fractures take longer to heal, and even after the bone fuses there can be lingering pain and degradation of the surrounding muscle, which pushes value toward the higher end.
• Femur: repaired with an intramedullary (IM) rod, a nail down the center of the bone, pinned with screws. Typically the middle to upper rungs of Tier Two, higher on the dominant side.
• Hip: partial or full hip fractures, and femur fractures involving the hip socket, sit at the higher end of Tier Two.
• Foot and ankle: metatarsal fractures that affect mobility carry higher value, more with hardware. Malleolar ankle fractures, including the complex injury referred to as a trimalleolar fracture, can be very serious. With surgery, plates, extensive rehabilitation, multiple procedures, or a long period of being down and out, these range anywhere from the lower rungs to the highest rungs of Tier Two.

Joint injuries

• Knee: meniscal, cartilage, and tendon tears repaired arthroscopically (through small ports rather than open surgery), often after cortisone injections are tried first, generally sit safely in Tier Two, on the lower rungs, if the arthroscopy resolves the problem. A partial knee replacement lands toward the middle of Tier Two; a total knee replacement (TKR) caused by the trauma reaches the top of Tier Two, provided there were no pre-existing knee problems and the imaging (X-ray, ultrasound, MRI) shows acute trauma, such as swelling from the knee striking the inside of the vehicle. Age and overall health matter here: a heavier client with years of prior knee trouble faces a very different evaluation than someone with a documented, fresh traumatic injury.
• Shoulder: injuries fall around the middle of Tier Two; a full shoulder replacement on the dominant side reaches the higher end, on the non-dominant side the middle.
• Fingers and toes: value depends on what you do for a living. If you are a hairstylist and your dexterity is your livelihood, a finger joint injury can climb; otherwise it stays on the lower rungs.

Head injuries below the catastrophic level

A skull fracture that results in a severe TBI, where the impairment and dysfunction are immediately, visibly evident and affect the person's independence, belongs in Tier One, as covered above. Below that level:

• Concussion without objective findings. Doctors diagnose concussions far more readily today than ever before. If the skull X-ray is clean, the MRI shows no defect, and nothing comes of it, no neurology or neuropsychology treatment, no speech or cognitive therapy, the claim sits in the middle of Tier Three or lower. Without objective evidence, there is a real problem of proof.
• Mild traumatic brain injury (MTBI). Anything from a concussion up to, but short of, severe TBI, with genuine deficits. The only real way to prove MTBI is treatment and diagnosis through neurology and neuropsychology, supported by imaging.
• Subdural hematoma. Bleeding on the brain is significant, but if it resolves on its own without lasting deficits, it generally values at the top rung of Tier Three or the lower rungs of Tier Two. If it required surgical evacuation by medical personnel, the claim is safely in Tier Two, still on the lower rungs if no deficits remain.

Scarring and disfigurement

Scarring always depends: on size, location, and visibility. Remember that under Florida's threshold statute, significant and permanent scarring or disfigurement independently opens the door to pain and suffering damages.

• A small scar people cannot really see, or one hidden inside the hairline, has some value, but it stays in the middle rungs of Tier Three.
• A large, visible, unsightly scar of several inches, one that people will see and comment on, is different. The most consequential location is the face.
• A visible scar on a leg or arm exceeding roughly two inches generally reaches the top rung of Tier Three.

I have to be candid about something the data and verdicts bear out, whether or not it is right or just: gender and age affect scarring valuations. A two- to three-inch facial scar on the cheek or forehead generally carries a higher value for a woman, placing the claim in Tier Two. A broken nose that heals with an unsightly hump will likely value on the lower rungs of Tier Two for a woman, but at the top of Tier Three for a man. A large, visible arm or leg scar on a woman under 60 reaches the lower rungs of Tier Two. I cannot explain these differences beyond societal preference, and I will always argue for parity. But you deserve to know how these claims are actually evaluated.

Section 8

Factors That Move Every Rung

Fault changes everything

This entire ladder assumes the other party is 100 percent at fault and admits it. When fault is contested, expect value to be diminished, and Florida law gives that real teeth.

The tiers absorb fault disputes differently. Tier One damages are rarely dramatically affected unless there is a genuine question about the injured person's own share of fault. For the lower two tiers the effect is dramatic: evidence assigning you blame means the insurer demands a substantial discount. Fault evidence also disappears fastest, so contested-fault cases reward early investigation most of all.

The treatment you receive, and who provides it

Insurers and jurors do not look for exactly the same things, but on this they align: medical doctors make more of a difference than non-medical providers.

• Treat-and-release. The hospital checked you out and sent you home, and you did nothing further. Very little to work with.
• Entry-point care. Physical therapy, chiropractic, acupuncture. It documents your injuries well, but adds only modest value, because the treatment itself is not interventional.
• Interventional care. Injections, nerve blocks, ablations. This elevates the claim. You generally cannot climb out of Tier Three without some form of it.
• Open surgery. An operation in an operating room, where a surgeon opens you up, repairs the damage, and manages follow-up care. Generally what anchors a claim in Tier Two and above.

A caution that echoes my other guides: this hierarchy describes how claims are valued, never a reason to seek treatment you do not need. Follow your doctors' guidance. Unnecessary treatment does not raise value; it destroys the credibility every rung of this ladder rests on.

Medical bills: a factor, not the factor

Medical bills matter, but they are not the exclusive factor, and they do not do what most people assume they do. Bills can move a claim within a tier, sometimes a rung or two, depending on the circumstances. What they do not do is carry a case from one tier into another. A strain-and-sprain claim does not become a Tier Two claim because tens of thousands of dollars in charges for therapeutic care piled up on it. That has been true for decades, and it is still true today.

Here is where I part company with a good many lawyers on my side of the aisle. I represent injured people and no one else, and I will still say this out loud: a medical bill has to bear a reasonable relationship to the service provided. When the charge is untethered from the service, it does not carry the value printed on it, and nobody is going to pay it as though it does.

Take an injection billed at $10,000. Under Florida's PIP schedule that same procedure may reimburse near $600. Commercial health insurance might pay $750 or $1,000 for it. You can see the math problem. That $10,000 charge is untethered from every accepted measure of what the service is worth, and the difference is not money that comes back to you.

What the insurance company actually does with your bills

Auto insurers do not accept a bill at face value and pay it. They run the ICD-10 diagnosis code and the CPT procedure code, look up the Medicare reimbursement rate for that service, and add a percentage on top, or they compare it against what commercial health plans reimburse, often one and a half to two times Medicare. That same fee-schedule data drives ordinary, non-accident medical billing too, at your family doctor's office and in the emergency room. Carriers also look at what the service reasonably and customarily costs across Florida, sometimes with a local modifier for a market like Sarasota County. Whatever that figure comes to is roughly what they will offer for that line item, not the number printed on the invoice.

Why a "discount" from an inflated bill is not a rescue

Stay with the $10,000 injection where the customary and reasonable charge is $1,000. The carrier offers $1,000. The provider then agrees to cut its bill in half, to $5,000. You still have to make up the other $4,000 out of the rest of your settlement, out of the money meant for your pain, your inconvenience, and your loss of enjoyment of life. And that provider still collected five times what it accepts all day long from the patient who walks in with a health insurance card or a Medicare card for the very same injection. That is not a compromise in your favor.

This is how injured people get squeezed. Some providers bill PIP and accept no health insurance at all. PIP is a $10,000 limit to begin with. Once it is exhausted, the balances left behind are large, and they have to be negotiated out of your recovery.

Florida law has always required that the care be reasonable and necessary and that the charges be reasonable, and since 2023 Fla. Stat. § 768.0427 governs how evidence of medical charges reaches a jury. My honest survey of this practice is that nine out of ten lawyers are fighting about medical bills in nearly every auto accident case, when in most of those cases there never needed to be a fight. What you are entitled to recover is the reasonable value of your medical care. Keep the bills reasonable and both sides can usually stipulate to them, take them off the table, get them paid, and put the focus back where it belongs: on your quality of life.

The same discipline applies to future care. Projections of the treatment you will still need have to be tethered to what providers in this community actually charge for the same procedure. If fifty orthopedic surgeons charge within one range and yours charges ten or twenty times that, you have bought an evidentiary dispute rather than a stronger claim. Reasonable numbers, projected honestly across a life expectancy of ten, twenty, thirty years or more, are still very substantial numbers.

The evidence behind it all

Across every tier, the same proof drives value: diagnosis and prognosis from medical doctors; objective imaging (acute findings versus degenerative wear); consistency between your documented restrictions and your real life; your age, occupation, and health history; and, at the catastrophic level, expert projections of lifetime care costs.

Section 9

Frequently Asked Questions

Section 10

Let's Talk. Let's Win.®

This ladder does not account for everything. There is always give, and every case turns on its own facts. But it is an honest picture of how auto injury claims are actually valued in Florida, and the truth is, most people fall into Tier Two or Tier Three. If you or someone you love is trying to figure out where an injury falls, you do not have to figure it out alone.

What to expect on your first call

• You talk with my office about what happened, in your own words
• Have handy what you can: crash report, medical records, imaging reports, insurance cards. Missing items are fine
• I listen first, then give you my honest assessment of where your claim may sit, including hard truths
• You will learn your deadlines and immediate next steps, whether or not we work together
• No cost, no obligation, and absolutely no pressure to sign anything
• If your case is not for my office, I will point you toward lawyers who fit

David Hughes HarrisMay God bless you and keep you on the road to recovery.

Your David To Fight Your Goliath® • Let's Talk. Let's Win.® • Underdogs Welcome.®