Trust your insurance liability, property, and health coverage all you like, but be prepared to prove the value you've already paid in premiums and play games, or find experience and sound advice in legal representation.
Having experienced a distracted driver in a head-on accident, we were too predisposed with our own incapacitating injuries to negotiate the matters of insurance, or our best interests. We reached out to the SiebenCarey firm, based on its reputation, and John and Shannon Carey, and Matt Steinbrink offered their representation and expertise to dispute and clarify the nature of vehicle and health insurance not only for us, but also to the insurers, who were eager to secure financial interests in place of our good-faith investment...otherwise known as “premiums”.
To any who need similar legal aid -- wisdom is seeking the counsel of experts in their field before you're in a position where both your health and finances are compromised, and your innocence questioned by other parties who wish the appearance of your guilt for their benefit.