We represent people harmed from all sorts of incidents: car crashes, house fires, defective products… the list goes on. One thing that never changes, though, is that these people are worse off after their incident than they were before. The idea behind an insurance company setting reserves and paying money for claims is to help get injured people back to where they were before their incidents. There is nothing wrong with claiming money from a fund of money that an insurance company has reserved for you. That is the reason why insurance companies pool our premium dollars into one, giant fund: To make you whole again.
– Zachary M. Ballin, Esq.