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Kristine Keala Meredith
Redwood City, CA Insurance Claims Attorney with 33 years of experience
Insurance Claims, Asbestos, Business and Personal Injury
Brigham Young Univ J Reuben Clark LS UT and Howard University School of Law
Kristine Meredith obtained her B.S. with honors from the University of California at Davis and was awarded a scholarship to attend Brigham Young University’s J. Reuben Clark Law School. While in law school, she was awarded the Distinguished Student Service Award and spent a semester at Howard University Law School in Washington, D.C., as a member of the faculty/student diversity exchange.
Before devoting her practice to representing plaintiffs, Kristine represented medical device manufacturers, doctors, and hospitals, serving as part of the national defense counsel teams for medical device manufacturers in multi-district federal litigation cases. She, therefore, has a thorough...
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Raquel M. Busani
Fresno, CA Insurance Claims Lawyer with 6 years of experience
Free ConsultationInsurance Claims
San Joaquin School of Law
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Philip Isaac Moncharsh
Santa Barbara, CA Insurance Claims Lawyer with 51 years of experience
Insurance Claims, Appeals, Business and Personal Injury
Columbia Univ School of Law
Philip I. Moncharsh has been a litigation and trial lawyer since his admission to practice law in 1973. Mr. Moncharsh has successfully argued hundreds of cases to verdict in state and federal courts throughout California, and has also appeared before the California Supreme Court. Mr. Moncharsh's practice is focused on complex business and corporate disputes, insurance litigation and coverage issues, trust and estate litigation, real estate litigation, representation and counseling of public agencies and nonprofit organizations, personal injury, product liability, and professional negligence matters. He handles both civil trials and appeals.
Mr. Moncharsh serves as a court-appointed arbitrator for...
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Luis Esparza
Santa Barbara, CA Insurance Claims Lawyer with 21 years of experience
Free ConsultationInsurance Claims, Bankruptcy, Business and Personal Injury
Concord Law School and University of Southern California Gould School of Law
CA State Bar No. 229054 CA BRE No. 01394464 CA BSIS PSO No. 6905
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Evan James Spano
Santa Barbara, CA Insurance Claims Attorney with 8 years of experience
Insurance Claims, Animal and Personal Injury
University of San Diego School of Law
Evan is a passionate advocate who enjoys representing individuals against large insurance companies.
He grew up riding motocross and playing hockey on California’s Central Coast. For college, Evan attended Cal Poly San Luis Obispo, where he graduated summa cum laude, accepted an invitation to speak as a graduation commencement speaker, and received the Orfalea College of Business Scholastic Achievement Award for graduating with the highest GPA in his Business Entrepreneurship concentration.
Evan earned his Juris Doctor from the University of San Diego School of Law, graduating magna cum laude with election to The Order of the Coif. While in law school, he...
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Gary J. Goodstein
Woodland Hills, CA Insurance Claims Lawyer with 31 years of experience
(818) 225-0056
21860 Burbank Boulevard
Suite 360
Woodland Hills, CA 91367
Insurance Claims, Appeals, Business and Consumer
Loyola Law School, Los Angeles
Mr. Goodstein has more than 26 years experience representing corporations, individuals and municipalities in real estate, business, tort, employment and insurance litigation matters. He regularly appears in state and federal courts throughout California, and is licensed to practice before the United States Supreme Court. Published opinions include Minnesota Mutual Life Insurance Co. v. Ensley, 174 F.3d 977 (9th Cir. 1999); Stuart v. Unum Life Insurance Company of America, 217 F.3d 1145 (9th Cir. 2000); Hub City Solid Waste Management, Inc. v. City of Compton, 186 Cal. App. 4th 1114 (2010).
Mr. Goodstein is "AV" rated by Martindale-Hubbell,* a peer-review...
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Gerry Harvey Goldsholle
Sausalito, CA Insurance Claims Attorney with 60 years of experience
Insurance Claims, Asbestos, Business and Securities
Columbia Univ School of Law
Gerry Goldsholle is a nationally known expert in insurance and insurance law who uses his decades of knowledge and industry "insider" experience to help his firm's clients stop being taken advantage of by insurance companies and others seeking to wrongfully delay or deny claims or pay pennies on the dollar.
An honors graduate of the College of William and Mary and the Columbia University School of Law, Gerry later completed the Senior Executive Program at Stanford University's Graduate School of Business and the coursework for a Masters of Liberal Arts at Stanford. He also served in the Army...
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Armen Kiramijyan
Los Angeles, CA Insurance Claims Lawyer
Insurance Claims, Business, Criminal Defense and Personal Injury
California Western School of Law
Armen Kiramijyan graduated from University of Southern California with a accelerated B.A. and M.A. in Economics.
Armen is experienced in: Law, Economics, Education, Money Management, Accounting, Finance, Medical, Real Estate, Automotive, Politics, Non-Profit, Governance, Technology, Banking, and Retail.
Armen graduated from California Western School of Law, San Diego with an accelerated J.D.
As an attorney, Armen primarily practices general litigation and trial. He has litigated, settled, or triad cases combined over $500,000,000 in recovery.
He served as a Professor of Economics, Social Science, and Law.
He served as a Expert Economist.
Armen cites his diverse academic, professional, and...
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Philip Earl Cook
Los Angeles, CA Insurance Claims Lawyer with 34 years of experience
Insurance Claims, Business, IP and Securities
UCLA School of Law
Phil Cook is a first-chair business trial lawyer with experience in jury and bench trials, as well as domestic and international arbitrations before AAA, FINRA and ICC panels. He has argued appeals in the Ninth Circuit and the California Court of Appeal.
Although Phil focuses on policyholder insurance recovery, corporate governance and partnership disputes, and securities and financial products claims, he has represented clients in individual and class action cases involving contract disputes, Business and Professions Code section 17200 claims and other business torts, antitrust and trade regulation, patent and trademark infringement, trade secrets, product liability and toxic torts, governmental...
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Nicholas W. Quincey
Rancho Cucamonga, CA Insurance Claims Attorney
(866) 945-9175
9302 Pittsburgh Ave
Suite 230
Rancho Cucamonga, CA 91730
Insurance Claims and Personal Injury
Loyola Law School, Los Angeles
I am Nick Quincey, the founder of Quincey Law, and I take pride in representing a diverse clientele, committed to defending their rights against insurance company misconduct.
My legal career started as a Deputy District Attorney, with prior roles at the Los Angeles County District Attorney’s Office in the Major Crimes Unit and Victim Impact Program, as well as the United States Attorney’s Office during my law school years. As a prosecutor, I was part of a trial team that managed cases involving attempted murder, robbery, domestic violence, elder abuse, drug trafficking, and white-collar crime. During law school, I also worked...
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Mike Arias
Los Angeles, CA Insurance Claims Attorney with 41 years of experience
Insurance Claims, Appeals, Asbestos and Entertainment & Sports
Mike Arias is the senior and managing partner of the firm. He handles matters throughout the United States. Mr. Arias has litigated and tried matters from New York to Texas to California, in both state and federal court. He has resolved hundreds of matters, either by trial, arbitration, mediation or negotiated settlement, resulting in millions of dollars in recovery for the firm's clients. His most recent trial victory resulted in a judgment and subsequent settlement in excess of $19 million. His most recent settlements total well in excess of $50 million. Mr. Arias has also successfully defended and counseled many...
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Vibhu Talwar
Los Angeles, CA Insurance Claims Attorney with 25 years of experience
Insurance Claims, Animal, Asbestos and Business
Southwestern Univ School of Law
Vibhu Talwar is an aggressive litigator with more than a decade of legal experience. His practice involves complex business litigation and catastrophic injury. Throughout his legal career, he has assisted businesses and individuals in recovering millions of dollars.
Mr. Talwar has successfully handled cases involving misappropriation of trade secrets, violation of anti-solicitation agreements, breach of contract, dangerous pharmaceutical drugs, aviation accidents, defective tires, and catastrophic motor-vehicle accidents.
Mr. Talwar began his legal career working for Judge Terry J. Hatter, then Chief Judge of the United Stated District Court for the Central District of California. Prior to opening Fisher...
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Thomas Palffy
Pasadena, CA Insurance Claims Attorney with 43 years of experience
Insurance Claims, Business, Construction and Real Estate
Southwestern Univ School of Law
Thomas Palffy is a construction law specialist serving Los Angeles, CA. and the surrounding areas. Mr. Palffy has been selected as a "Super Lawyer" and has an AV Preeminent Rating 5.0 out 5 on Martindale-Hubbell.
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Timothy James Morris
Los Angeles, CA Insurance Claims Lawyer with 48 years of experience
Insurance Claims and Insurance Defense
Loyola Law School, Los Angeles
Facing insurance disputes can cause a great deal of hardship in anyone's situation. If you are being denied a claim, or if you are not receiving the funds that you are entitled to, it is imperative that you seek the assistance of an experienced attorney who knows how to help you fight for your rights. my name is Timothy Morris from Gianelli & Morris, and I am a Los Angeles insurance attorney with many years of experience. Contact my office today to discuss your situation and to pursue the results that you need for your future.
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Paul Lee
Los Angeles, CA Insurance Claims Attorney with 31 years of experience
Free ConsultationInsurance Claims, Animal, Medical Malpractice and Personal Injury
Whittier Law School
Upon graduation from law school and becoming an attorney in 1994, Paul Lee began working with an employment law firm specializing in representing police officers. Later he worked for an insurance defense firm representing various insurance companies. After seeing, first hand, how insurance companies handled various personal injury claims he decided that he needed to represent the injured parties to ensure that they were represented fairly . He formed what is now known as AA-Accident Attorneys, P.L.C. Mr. Lee currently serves the local community as a Judge Pro Tempore for the Superior Court in addition to serving his clients...
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Mike Montes Jr.
Los Angeles, CA Insurance Claims Lawyer with 23 years of experience
Free ConsultationInsurance Claims, Energy, Family and Personal Injury
Glendale University-College of Law
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Scott Mann
Los Angeles, CA Insurance Claims Lawyer with 33 years of experience
(323) 857-9500
6100 Wilshire Boulevard
Suite 1104
Los Angeles, CA 90048
Free ConsultationInsurance Claims, Employment, Nursing Home and Personal Injury
Pepperdine Univ School of Law
In April of 1998, Scott formed The Law Offices of Mann & Elias, a Los Angeles based law office handling employment law and personal injury cases. Mann & Elias have successfully settled hundreds of claims, and completed nearly 100 jury and bench trials. Since the founding of the office, they have recovered over $18 Million in settlements and verdicts for their clients.
Practice area includes:
Workplace Discrimination
Wrongful Termination
Retaliation
Harassment at work
Whistle blower
Car accidents
Truck accidents
Motorcycle accidents
Wrongful death
Dog bites
Product liability
Premises liability
Our success is based on our considerable trial experience (over 40 years combined), excellent advocacy skills, intense preparation and research, experienced and specialized staff, and...
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Lenton Aikins
Long Beach, CA Insurance Claims Lawyer with 34 years of experience
Free ConsultationInsurance Claims, Elder, Employment and Personal Injury
Western State Univ COL
Employment Law
We handle all forms of Employment:
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Age
Disability
Gender
Pregnancy
Race
Sex
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Frank Nicholas Darras
Ontario, CA Insurance Claims Lawyer with 37 years of experience
Insurance Claims
Western State University College of Law
Frank N. Darras has dedicated his life to helping the sick and disabled. He is the founding partner of DarrasLaw, the largest disability and long-term care insurance litigation firm in the country.
At DarrasLaw, our compassion goes hand-in-hand with our legal expertise. We take pride not only in the results we achieve, but the care our team provides along the way. We hire only the top disability attorneys and staff, including our in-house nurse, for their compassion as much as their expertise and knowledge.
Hiring the cream of the crop has been critical to maintaining our position as America’s top...
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Joshua Franklin
San Diego, CA Insurance Claims Lawyer with 24 years of experience
Insurance Claims, Criminal Defense, Securities and White Collar Crime
University of Colorado - Boulder
I am a trial attorney focused on serving clients in the areas of insurance coverage, securities litigation, and white collar criminal defense. I have represented mutual funds, corporations, Native American tribes, law firms, accounting firms, small businesses, and individuals as both plaintiffs and defendants in a variety of high-stakes disputes. Through my experience in private practice and as a former prosecutor, I have tried nearly fifty jury trials to verdict. In the area of insurance coverage, I have represented policyholders and other insureds in coverage disputes and civil actions alleging bad faith...
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Brian D. Shapiro
San Bernardino, CA Insurance Claims Lawyer
Insurance Claims, Medical Malpractice and Personal Injury
Western State University College of Law
Brian Shapiro is committed to prosecuting challenging claims on behalf of deserving and injured victims. He passionately represents people with spinal, brain, and other serious injuries, and families of those who have passed away, due to the negligence and carelessness of others. He handles matters involving auto/trucking accidents, premises liability, government liability, medical malpractice, and insurance denials/insurance bad faith. A ‘measure twice, cut once’ kind of person, Brian approaches each case, issue, and challenge in a meaningful and calculated way. He’s obtained countless millions of dollars in verdicts and settlements for his clients.
In addition to practice, Brian’s very involved with...
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Raeet D Taddesse
Riverside, CA Insurance Claims Lawyer with 27 years of experience
Insurance Claims, Civil Rights, Immigration and Insurance Defense
Whittier Law School
Raeet (Rita) D. Taddesse is a Partner with Fernandez & Lauby LLP. She has handled a wide variety of complex matters, including quasi class actions, professional liability, securities fraud, intellectual property, trade secrets, unfair competition, slip & fall, construction accidents, construction defect, antitrust, banking, real estate, community association, and insurance litigation. Ms. Taddesse has experience in mediation, arbitration, trial, and appellate practice.
Ms. Taddesse graduated with honors from California State University at Long Beach in 1994 and obtained her Juris Doctorate degree from Whittier College School of Law in 1996, where she was on the Dean's Honor List.
Ms. Taddesse is admitted...
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Alton Moore
Irvine, CA Insurance Claims Attorney with 8 years of experience
Irvine, CA 92606
Insurance Claims, Business, International and Tax
Chapman University Fowler School of Law
Evolution Tax and Legal is a top of the line International Tax firm based in Irvine, CA. We help both individuals and small to medium-sized businesses navigate the complicated world of international tax.
Firm founder, Alton Moore is a dually licensed California attorney and CPA. Alton has a vast experience in both the legal and tax worlds.
Prior to Evolution Tax and Legal, Alton's career began in Big 4 accounting with Ernst & Young, LLP, where he worked primarily amongst the international, state and local, and real estate tax compliance and consulting practices.
Alton then moved to an in-house role with a large...
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Joshua Anthony Hiller
Newport Beach, CA Insurance Claims Lawyer with 22 years of experience
(310) 845-6122
660 Newport Center Drive
Suite 1000
Newport Beach, CA 92660
Free ConsultationInsurance Claims, Business, Landlord Tenant and Personal Injury
Pepperdine University School of Law and Pepperdine University School of Law
Mr. Hiller received his JD and MBA from Pepperdine University and certificates from the Palmer Center for Entrepreneurship and Straus Institute for Alternative Dispute Resolution.
Mr. Hiller has litigated hundreds of civil and business disputes, advised numerous companies on contracts, trademarks (filing, TTAB proceedings), licensing, employment matters, and represented clients in mediation, arbitration, quasi-judicial proceedings, and before municipalities.
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Michael William Newcomb
Temecula, CA Insurance Claims Lawyer with 28 years of experience
Free ConsultationInsurance Claims, Agricultural, Antitrust and Business
Thomas Jefferson School of Law
We are a boutique business law firm with over twenty-five years of combined experience representing privately held small to medium sized businesses, in the areas of business/corporate law, beverage law (wineries, breweries, restaurants) asset protection, intellectual property and real estate law.
We adhere to a pragmatic approach in representing our clients by first understanding the needs/goals of our clients and then offering feasable solutions to those needs.
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Daniel L. Jones
Oceanside, CA Insurance Claims Lawyer with 13 years of experience
Insurance Claims, Animal and Personal Injury
University of San Diego
Daniel Jones earned his Juris Doctor from the University of San Diego School of Law. While attending law school, he served as the Chair of Pro Bono Legal Advocates and was awarded the State Bar of California’s Wiley W. Manual Award for Pro Bono Legal Services, one of the most prestigious pro bono awards given in the state. He was also recognized for his outstanding oral advocacy and legal writing. Daniel earned his undergraduate degree in Accounting from Westminster College. Prior to joining the firm, Daniel worked as a law clerk for the Primary Public Defender in San Diego where...
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Philip Clark Alexander
Oceanside, CA Insurance Claims Attorney with 20 years of experience
Insurance Claims, Animal and Personal Injury
Dickinson School of Law
Ryan is the founder of Harris Personal Injury Lawyers, Inc. Ryan formed the law firm in 2005 on the principle that injured people and their families should have access to the same quality legal representation as large insurance companies.
Ryan has handled numerous six, seven, and eight figure cases to successful resolution or verdict. Ryan’s recent litigation success includes the following verdicts and settlements: a settlement in the case of D.L. v. HMS Construction, Inc. et al. for $21.5 million; a jury verdict in the case of Rittger v. The Cliffs et. al. for $6.7 million; a settlement in the case...
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Nicholas Andrew Konoske
San Diego, CA Insurance Claims Attorney with 17 years of experience
(858) 385-0871
16880 West Bernardo Drive, Suite 250
San Diego, CA 92127
Free ConsultationInsurance Claims, Business, Construction and Personal Injury
California Western School of Law
Nicholas A. Konoske is a member of the firm acting as a business advisor and general counsel for businesses at various stages in their growth cycle, from start ups to mature operating companies, and he has particular expertise in counseling early stage and emerging growth technology companies. Mr. Konoske advises clients in business strategy, start up business formation and structuring, corporate formation and entity selection, corporate governance, the development of funding strategies and the alternatives available to entrepreneurs. He is actively involved in a full range of legal projects, including mergers and acquisitions, debt and equity financing (including angel and...
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King Aminpour
San Diego, CA Insurance Claims Lawyer with 28 years of experience
Free ConsultationInsurance Claims and Personal Injury
As Car Accident Lawyers in San Diego, King Aminpour Car Accident Lawyer devote ourselves to a positive outcome of your case. From the start, we prepare your case for trial so we are ready for every possibility. We have secured compensation for over 10,000 clients. San Diego clients benefit from our trusted reputation and over 50 years of experience as an auto, bus, truck and car accident lawyer. Call at (619) 333-3333 for a free consultation with a car accident lawyer in San Diego.
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Dominic Stephen Nesbitt
San Diego, CA Insurance Claims Attorney with 35 years of experience
Insurance Claims
College of Law, Guildford, Surrey, England
Dominic S. Nesbitt directs the firm's coverage analysis practice.
Dominic initially trained as a Lloyd's insurance broker with J.H. Minet & Co. in London before entering law school in the early 1980s. He is trained and licensed to practice law in both California and England.
Dominic's initial practice in London with Lawrance Messer & Co. (now Nabarro Nathanson), as well as his entire practice in California, has been devoted exclusively to the area of insurance coverage analysis pertaining primarily to commercial general liability, directors and officers, professional liability, and property policies. Dominic is the past Chairman of the Insurance Section of the...
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Andrew Spencer Meyers
San Diego, CA Insurance Claims Lawyer
Free ConsultationInsurance Claims, Insurance Defense, Products Liability and Trademarks
California Western School of Law
Andrew Meyers has more than 14 years of experience representing insurance companies, insureds, businesses, and individuals as an attorney. He specializes in civil litigation defense, insurance coverage, Examinations Under Oath, bad faith defense litigation, breach of contract cases, and intellectual property prosecution. Andrew is methodical in analyzing cases and claims and takes pride in remaining available to clients as much as possible. His experience has resulted in numerous multi-million dollar fraudulent claims being denied. Moreover in defending insured, his case strategy and guidance has resulted in efficient settlements, and case dismissals maximizing clients' resources and protecting the utmost interests...
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Jacob H. Seropian
Pasadena, CA Insurance Claims Attorney with 12 years of experience
Free ConsultationInsurance Claims, Employment and Personal Injury
Loyola Law School, Los Angeles
Jacob has devoted his entire legal career to representing plaintiffs in civil court. His focus is on catastrophic injury, wrongful death, employment, and general litigation, including complex, coverage, and business disputes.
Known for his thorough preparation, judgment, and mastery of detail, he has earned a reputation with his clients and peers for his unmatched dedication to his cases. Jacob has handled hundreds of cases for his clients and their loved ones and has helped them recover over $9 million in verdicts and settlements throughout his career.
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Jonathan Michael Seber
Beverly Hills, CA Insurance Claims Attorney with 12 years of experience
Free ConsultationInsurance Claims, Asbestos, Business and Civil Rights
Fordham University School of Law
Jonathan Seber was raised in Florida and graduated Phi Beta Kappa from the University of Miami with a degree in International Studies and Political Science. While in Miami, Mr. Seber worked on various policy initiatives and regional trade agreements at the Interamerican Ethanol Commission and the Florida Free Trade Area of the Americas.
Mr. Seber received his Juris Doctorate from Fordham University School of Law in New York City. He then went on to work at the New York Democratic Lawyers Council, where he assisted in drafting model legislation on ballot security and chain of custody procedures for New...
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Armen Michael Tashjian
Glendale, CA Insurance Claims Attorney with 26 years of experience
Free ConsultationInsurance Claims, Appeals, Immigration and Personal Injury
Glendale Univ COL
I am a civil trial lawyer and am driven by the strong desire to enforce the rights of injured victims. I like to see level playing field regardless of socioeconomic condition of the parties. To that end, I almost exclusively represent the regular folk, consumers, injured victims against insurance companies, corporations and conglomerates. There is nothing more satisfying to me when we obtain fair compensation and achieve justice in a David v. Goliath context.
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Timothy Richard Sullivan
Fresno, CA Insurance Claims Attorney with 38 years of experience
(559) 433-1300
5 River Park Place East
P.O. Box 28912
Fresno, CA 93729-8912
Insurance Claims
University of Missouri School of Law
Mr. Sullivan began his practice with McCormick Barstow in 1986. After practicing elsewhere, including being a founding partner in a small firm, he returned to McCormick Barstow in 2008. Although he has tried cases to verdict in many subject areas, including real estate disputes, agent errors and omissions, title insurance disputes, and a wide range of business related litigation ranging from breach of contract to fraud and unfair business practices, his practice now focuses upon insurance coverage and bad faith. In addition to over 25 jury trials, Mr. Sullivan has also tried numerous bench trials involving breach of contract and...
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Tamar Poladian
Toluca Lake, CA Insurance Claims Lawyer with 34 years of experience
Insurance Claims, Divorce, Domestic Violence and Personal Injury
Southwestern Univ School of Law
Opening the LAW OFFICES OF TAMAR POLADIAN in Glendale, California as solo practitioner in 1999, Tamar Poladian Perron Esq. quickly became well renowned for her wisdom plus her passionate and intelligent representation of both plaintiff and defense cases. With a primary emphasis in Family Law/Domestic Violence, and a group of associated attorneys conducting Business and Personal Injury tort litigation plus Real Estate, Immigration and Bankruptcy this is your legal team! LAW OFFICES OF TAMAR POLADIAN accomplishes your goals through an effective team approach with the highest level of integrity and ethics! Presiding as Judge Pro Tempore for...
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Geoff A. Dulebohn
Chico, CA Insurance Claims Attorney with 17 years of experience
Free ConsultationInsurance Claims, Civil Rights, Criminal Defense and Personal Injury
California Western School of Law and Southwestern University School of Law
"The only minority is the individual and Justice is the only measure of equality among individuals."
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John Edward Kerley
Oakland, CA Insurance Claims Lawyer with 30 years of experience
Insurance Claims and Personal Injury
USC Law School
Edward focuses on trial work in the stateand federal courts. He has tried state and federal cases involving insurance fraud, various commercial disputes, insurance bad-faith, sexual harassment, and wrongful termination. Prior to founding the firm, he held positions with law firms in the United States and in the Middle East.
He is graduate with honors from Claremont McKenna College and USC Law School.
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Kathryn J. McIver
Oakland, CA Insurance Claims Attorney with 11 years of experience
Insurance Claims, Animal and Personal Injury
Santa Clara University
Katie became an attorney because she enjoys providing a voice for people dealing with significant issues affecting their lives. Katie provides effective and aggressive representation while maintaining compassion with her clients. She understands that many clients are going through a difficult time in their lives and ensures that each of her clients is well informed and well represented.
Katie has experience litigating cases in both State and Federal court. She is admitted to practice in the state of California and the United States Federal Court for the Northern District of California. She has experience representing clients in all types of personal...
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Ryan Dewey Griffin
San Jose, CA Insurance Claims Attorney with 19 years of experience
Insurance Claims, Bankruptcy, Business and Foreclosure Defense
California Western School of Law
I maintain offices in San Jose and Sacramento where I run a general practice with a focus on bankruptcy. Call for a chapter 7, 13 or 11 bankruptcy consultation, or contact us with your issues related to small business, real estate, or personal injury.