Rose Knows Law

08/10/2026

You’re in a Car Crash. Will Your Insurance Actually Pay?

Americans were involved in more than 6 million traffic crashes last year, and insurers closed 45% of auto liability and medical claims without a payment, according to a Wall Street Journal analysis of thousands of regulatory filings. That was up from about 35% a decade ago. Claims involving damage to the insured vehicle were more likely to result in payment, with fewer than one in four closed without a payout. Liability and medical claims are generally more complex, more expensive and more likely to involve disputes. Insurers are also scrutinizing whether policyholders have disclosed all household drivers. In one case, a California driver's $5,000 claim was denied after a minor crash because his 15-year-old son, who was not in the vehicle and did not have a license, was not listed on the policy. The driver is now part of a class-action lawsuit, and the insurer denies wrongdoing. The analysis also found significant differences by state. Drivers in Hawaii and California were nearly twice as likely to have a resolved claim end without payment as drivers in Michigan. Among the 10 largest auto insurers, Farmers, Liberty Mutual and State Farm had the largest increases in no-payment rates for liability and medical claims over the past decade.

Jean Eaglesham and Jaclyn Jeffrey-Wilensky, Wall Street Journal

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05/08/2026

I concluded another PI settlement this morning at the courthouse. It took a little while to get there, but we finally got Progressive insurance to pay for my clients injury sustained from a car wreck.  Good settlement, satisfied Client - great conclusion.

If you need help with a personal injury case or civil litigation, feel free to give me a call .



05/04/2026

Study: Insurers Are Overcharging

A new analysis from the Vanderbilt Policy Accelerator claims Americans are overpaying for insurance by about $150 billion a year and calls for federal oversight to lower costs. The report finds insurers are paying out a smaller share of premiums than in past decades. In 2024, companies returned about 62 cents in claims for every $1 collected, down from roughly 80 cents in the 1980s and 1990s—fueling concerns that premiums are too high. Industry representatives push back, arguing higher rates reflect rising repair costs, climate-related risks, and recent financial losses. The analysis includes proposed legislative language for the federal government to set a higher loss ratio for insurers. Currently, state governments primarily regulate insurance, but a federal mandate would be harder for companies to challenge. The analysis further argues that insurers are using the premiums “to pay for corporate perks, corporate jets, stock-buy backs, excessive executive compensation, excessive dividends, excessive advertising, and excessive agent commissions.”

I don't think it takes a Vanderbilt study for us to know this! We keep fighting with the insurance companies every day. Let me know if you need help.

04/16/2026

GRACO Car Seat recall:
Graco has issued a voluntary recall for its SnugRide Turn & Slide Infant Car Seat following the discovery of a structural defect during laboratory testing. The recall affects a specific range of products sold in the United States between January and March 2026 through major retailers, including Amazon, Target, Walmart, and Babylist. According to the company, the issue involves the seat base and not the stroller components of related travel systems. The company is advising consumers to immediately stop using the recalled seats and to register online for a free replacement. Graco emphasized that customers should not return the items to retail stores. Affected model numbers include the SnugRide Turn & Slide Rotating Infant Car Seat (2231806, 2231809, 2231881, 2231884, 2231885, 2231887), the standalone rotating base (2231810), and the seat base included with the Modes Nest Travel System (2243083).