Pennsylvania Insurance Claims Lawyers

Benjamin Krone
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Benjamin Krone
Philadelphia, PA Insurance Claims Lawyer
(888) 699-4222 1515 Market Street
Suite 1100
Philadelphia, PA 19102
Insurance Claims
Widener University Delaware School of Law
I represent sick and injured healthcare professionals, licensed professionals, and executives in all aspects of their individual and group long-term disability insurance claims, denials, and terminations. My clients include professionals who can no longer work in their own occupation, have been forced to cut back on the work they perform due to a medical condition, or have stopped working altogether to focus on their own health.

Whether you are suffering from physiological, psychiatric, or psychological impairment, and believe you are entitled to your disability benefits, contact me to review your claim.
James Stuczynski
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James Stuczynski
Erie, PA Insurance Claims Lawyer with 43 years of experience
(800) 999-0750 234 W 6th Street
Erie, PA 16507
Free ConsultationInsurance Claims and Personal Injury
University of Pittsburgh School of Law
James J. Stuczynski is a lifelong resident of the Erie area. After graduating from Cathedral Prep in 1971, he attended and graduated from Alliance College in 1975, summa cum laude. He furthered his education at the University of Pittsburgh School of Law, graduating in 1979 and returning to Erie to accept a position with Ely & Bernard. In 1985, he became a partner in Bernard & Stuczynski and has continued to practice with its successor firm, Bernard Stuczynski & Barnett. After a practice which handled a wide variety of legal claims, Attorney Stuczynski has specialized in handling insurance and...
Bruce William Bellingham
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Bruce William Bellingham
Philadelphia, PA Insurance Claims Attorney with 24 years of experience
(215) 241-8913 1635 Market Street, 7th FL
Philadelphia, PA 19103
Insurance Claims, Communications, IP and Trademarks
University of Pennsylvania Law School
Joseph Gaydos
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Joseph Gaydos
White Oak, PA Insurance Claims Lawyer with 35 years of experience
(412) 678-7900 1223 long Run Rd.
White Oak, PA 15131
Insurance Claims, Business, Divorce and Family
Duquesne University School of Law
I have practiced Personal Injury Law since 1987. My firm has had thousands of clients who have had successful outcomes to their cases. GG&A also represents clients who have issues with Family Law, Gaurdianships, Criminal and Business Law. We have served as solicitors in South Park Twp., Bethel Park, North Versailles Twp. and Allegheny County.
Matthew Roy Kessler
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Matthew Roy Kessler
Douglassville, PA Insurance Claims Attorney
(610) 385-1090 1008 Benjamin Franklin Highway West
Douglassville, PA 19518
Insurance Claims, Business, Divorce and Estate Planning
Widener University Delaware School of Law
Attorney Kessler has been practicing law in Southeastern Pennsylvania since 1998 and was the founder of the Law Offices of Matthew R. Kessler, L.L.C., located in Douglassville, PA, in 2005.
Hilary Peery Vesell
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Hilary Peery Vesell
Hershey, PA Insurance Claims Lawyer with 19 years of experience
(717) 301-8080 310 West Chocolate Ave.
Hershey, PA 17033
Insurance Claims, Domestic Violence, Family and Personal Injury
University of Miami School of Law
Hilary Vesell is a trial attorney, concentrating in family matters and civil litigation. Hilary has BA in psychology and MA in clinical psychology both from Columbia University. Her JD is from the University of Miami, School of Law. Hilary represents clients in all family law issues including child custody cases, parental alienation cases, domestic violence issues, protection from abuse orders (PFAs). She also represents clients in support and divorce matters as well as with prenuptial agreements. Hilary has written several articles that were published in the Pennsylvania Lawyer and Pennsylvania Bar Association Quarterly. These articles are on the topics...
Mark Seltzer
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Mark Seltzer
Philadelphia, PA Insurance Claims Attorney
(888) 699-4222 1515 Market St
Suite 1100
Philadelphia, PA 19102
Insurance Claims
Temple University
Mark F. Seltzer is a Philadelphia disability insurance attorney with over 40 years of experience. His success in handling cases with physicians and professionals struggling with addictions and disabling conditions has earned him a strong national reputation. Mark has held a number of speaking engagements over the years and has been awarded by the United States Congress, New York State Legislature, SuperLawyers and more. He is involved in the Leukemia & Lymphoma Society, Ruth Fox Memorial Endowment Fund, and Auto Dealers Caring for Kids Foundation.
Tatiana Kadetskaya
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Tatiana Kadetskaya
Philadelphia, PA Insurance Claims Attorney with 10 years of experience
(888) 510-2212 1 International Plaza
Suite 550
Philadelphia, PA 19113
Insurance Claims
Rutgers University Law School and Rutgers Business School
Attorney Tatiana Kadetskaya is best known for collecting wrongfully delayed and denied life insurance claims fast and settling complex beneficiary disputes and interpleader lawsuits. At our law firm, our goal is to recover life insurance benefits for you as soon as possible. We represent life insurance beneficiaries and policy owners whose claims for benefits have been wrongfully denied or delayed. We offer a wide range of services ranging from filing administrative appeals to litigating bad faith insurance cases in courts.
David R. Scott
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David R. Scott
Philadelphia, PA Insurance Claims Lawyer with 10 years of experience
(215) 525-5850 123 S Broad St
#1670
Philadelphia, PA 19109
Insurance Claims, Business, Construction and Securities
Wake Forest University School of Law
David Scott concentrates his practice on business litigation matters such as partnership disputes, contract disputes, civil RICO, and breach of fiduciary duty. David also devotes significant aspects of his practice to securities litigation, class action cases and creditor’s rights.

David graduated from the Wake Forest University School of Law in 2012 where he was a member of the Wake Forest Journal of Law and Policy. While in law school, David gained experience in the Delaware County District Attorney’s Office and as a law clerk for a judge on the Delaware County Court of Common Pleas.

Prior to joining the firm, David worked...
Ethan F Abramowitz
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Ethan F Abramowitz
Philadelphia, PA Insurance Claims Lawyer
(215) 735-4222 1515 Market St., Suite 1100
Philadelphia, PA 19102
Insurance Claims
Nova Southeastern University
Ethan F. Abramowitz is an Associate with Seltzer & Associates. Mr. Abramowitz concentrates his practice on the representation of impaired professionals, with a focus on disability insurance contracts, long-term disability plans, ERISA, employee benefits, and insurance bad faith.
Howard A Rosen
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Howard A Rosen
Philadelphia, PA Insurance Claims Lawyer with 17 years of experience
(215) 948-2264 1500 JFK BLVD
Suite 1723
Philadelphia, PA 19102
Insurance Claims, Personal Injury, Social Security Disability and Workers' Comp
Widener University Delaware School of Law
With strong family ties to the legal profession, Mr. Rosen had been interested in becoming an attorney since childhood. He genuinely enjoys helping people and has a passion for the law unmatched by most. After graduating with a law degree in 2005, Howard worked with a group for nearly 10 years before opening his law firm, H. Rosen Law, P.C., in 2014. Howard offers a client-centered approach to each case and takes the time to learn more about every client and situation that comes to his door. He believes that a strong attorney-client relationship is a key foundation for success,...
Andrew Sacks
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Andrew Sacks
Philadelphia, PA Insurance Claims Attorney with 38 years of experience
(215) 764-3008 1845 Walnut Street
Suite 1600
Philadelphia, PA 19103
Free ConsultationInsurance Claims, Business, Cannabis Law and Personal Injury
Dickinson School of Law
Attorney Andrew Sacks received his Bachelor of Arts degree from Grinnell College and his Juris Doctorate from Dickinson School of Law. He began his legal career practicing personal injury law in Philadelphia. Later, he began administrating legal service plans for large labor unions, servicing a collective membership of over 50,000 members and their families.

In 1994, Mr. Sacks purchased his employer's assets and launched Sacks Weston, LLC. The firm handles personal injury, medical malpractice, maritime matters, and significant efforts were devoted to toxic tort and environmental contamination litigation.

Sacks Weston, LLC pioneered N.O.R.M. litigation, which resulted in the largest, single-landowner verdict in...
J. Wesley Kocsis
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J. Wesley Kocsis
Athens, PA Insurance Claims Attorney with 22 years of experience
(888) 835-2048 180 North Elmira Street
Athens, PA 18810
Insurance Claims, Medical Malpractice, Personal Injury and Workers' Comp
Widener University Delaware School of Law and Lafayette College
J. Wesley Kocsis is a trial lawyer representing plaintiffs in major personal injury litigation. He is the owner of Kocsis Law Office located in Athens, Bradford County, PA. Wesley takes pride in the fact that he provides the same quality of service as the "big city" injury firms but with the attributes of being a "small town" lawyer. That is, he is involved with the personal injury case every step of the way. He will meet his clients in the hospital and at their homes, he will personally take pictures and videos of accident scenes, he talks to...
James DiMarco
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James DiMarco
Blue Bell, PA Insurance Claims Attorney with 12 years of experience
(484) 351-0350 518 East Township Line Road
Suite 100
Blue Bell, PA 19422
Insurance Claims, Animal, Construction and Personal Injury
Villanova University School of Law
Personal injury lawyer James DiMarco focuses his practice primarily on automobile accidents, slip and fall injuries, and other complex legal matters. Before becoming a personal injury attorney, he worked for seven years as a defense attorney representing corporations and insurance companies. This experience has given Jim unique insight when pursuing compensation for injured clients. His work representing clients in high-stakes litigation also allowed him to attain the skills to be a fierce litigator.

Jim is a compassionate attorney, patient listener and tenacious advocate, who utilizes his knowledge and smart applications of the law to obtain great outcomes in his cases. He...
Stephen Patrick Moschetta Esq
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Stephen Patrick Moschetta Esq
Washington, PA Insurance Claims Attorney with 24 years of experience
(724) 225-3060 28 W Cherry Ave
Washington, PA 15301
Free ConsultationInsurance Claims, Asbestos, Maritime and Personal Injury
Western Michigan University Cooley Law School
I specialize in representing injured maritime workers and passengers in personal injury and death cases in Admiralty & Maritime claims, which includes: - Jones Act Seamen - Pleasure boat passengers - Cruise Ship Passengers - Longshore & Harbor Workers' Compensation claims - Defense Base Act Claims I also represent consumers injured in the following types of cases: - Automobile Accidents - Truck Accidents - Faulty Products and Drug Products Liability - Pennsylvania Workers' Compensation - Legal and Medical Malpractice - Premises Liability
Jay Solnick
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Jay Solnick
Jenkintown, PA Insurance Claims Attorney with 28 years of experience
(877) 415-6495 261 Old York Rd
Suite 718
Jenkintown, PA 19046
Free ConsultationInsurance Claims, Animal, Construction and Personal Injury
Temple University
Jay Solnick earned his bachelor’s degree in Economics from Brandeis University in Boston, Massachusetts and a law degree from Temple University School of Law. Jay has extensive experience litigating a wide variety of cases and claims in the state and federal courts of southeastern Pennsylvania and New Jersey. The insight and experience gained throughout his career, including the years which he spent handling insurance defense cases, are now utilized to the benefit of his clients in pursuing their claims. Jay’s practice is focused in the areas of personal injury, insurance claims, and other matters involving the rights of individuals. Jay...
Richard Ernsberger
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Richard Ernsberger
Pittsburgh, PA Insurance Claims Lawyer with 14 years of experience
(412) 391-2515 355 Fifth Avenue, 12th Floor
Pittsburgh, PA 15232
Insurance Claims, IP and Personal Injury
Ohio Northern University
Richard Ernsberger's practice focuses on litigation in state court on insurance and investment sales practice and contractual disputes. He has a broad range of experience, including drafting motions, conducting legal research and analysis, and arbitration practice. Richard is a graduate of the Ohio Northern School of Law and he earned a Bachelors of Science from the George Washington University in Economics. Richard was an intern for the Honorable Congressman William Coyne as an undergrad and was employed by the Federal Reserve Board in Washington, D.C. following graduation from George Washington. Richard attended the Ohio Northern University School of...
Sean McDonough
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Sean McDonough
Moosic, PA Insurance Claims Lawyer
(570) 347-1011 75 Glenmaura National Blvd
Moosic, PA 18507
Insurance Claims, Business, Civil Rights and Elder
Pennsylvania State University - Dickinson School of Law
Sean P. McDonough is a 1983 graduate (cum laude) of the University of Scranton and a 1986 graduate of the Dickinson School of Law. Upon graduation from law school, he entered the private practice of law with the firm of Dougherty, Leventhal & Price, a regional litigation law firm. He has been a partner with the firm since 1993. Over the years, Mr. McDonough has concentrated his practice in the areas of personal injury litigation; he has also represented governmental entities and officials in federal civil rights and employment lawsuits throughout Northeastern and Central Pennsylvania. Mr. McDonough has appeared in front...
Brian McEwing Esq.
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Brian McEwing Esq.
PHILADELPHIA, PA Insurance Claims Attorney with 13 years of experience
(267) 324-3773 719 E PASSYUNK AVENUE
PHILADELPHIA, PA 19147
Insurance Claims, Administrative, Environmental and Insurance Defense
Rutgers University - Camden
Brian received his bachelor's degree in political science from Rutgers University College Camden where he graduated summa cum laude, earning the Jack Marvin Weiner award and the Armitage award for highest overall grade average. He graduated from Rutgers School of Law Camden in 2008. While in law school he performed pro bono work for the Community Dispute Resolution Pro Bono Mediation Project and completed a pro bono research project for a local maritime non-profit. Brian has over twenty years experience as a licensed mariner and over fifteen years in marine management positions, including Port Captain. He has extensive experience in...
Harry McGrath
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Harry McGrath
Scranton, PA Insurance Claims Attorney
321 Spruce St
Scranton, PA 18503
Insurance Claims, Business, Criminal Defense and Insurance Defense
Widener University
Harry McGrath has extensive experience representing students, their families, and public entities, particularly in education and matters affecting children. He regularly represents, students, teachers, administrators, and public schools in a wide range of legal matters in state and federal court, administrative agencies, and special education due process matters. In addition, Mr. McGrath represents individuals accused in criminal matters of all kinds in state and federal court. Contact McGrath Law Offices today for a free consultation.
Gary Eiben
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Gary Eiben
Erie, PA Insurance Claims Attorney
(814) 870-7664 100 State St
#700
Erie, PA 16507
Insurance Claims, Environmental, Health Care and Personal Injury
Duquesne University School of Law
Robert Trichilo
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Robert Trichilo
Dunmore, PA Insurance Claims Lawyer with 25 years of experience
(570) 703-0682 117 W. Drinker St.
Dunmore, PA 18512
Free ConsultationInsurance Claims, Criminal Defense, Medical Malpractice and Personal Injury
Serving Eastern Pennsylvania. Personal Injury, business litigation, estate administration, corporation matters and criminal trials
Angel Mae Theresa Webby
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Angel Mae Theresa Webby
W. Hazleton, PA Insurance Claims Lawyer with 17 years of experience
(570) 501-2822 129 Susquehanna Blvd
W. Hazleton, PA 18202
Free ConsultationInsurance Claims, Animal, Traffic Tickets and White Collar Crime
Angel Mae Webby was born in Lansing, Michigan in 1979 and has resided in Pennsylvania since 1980. She graduated with honors from Crestwood High School and furthered her education at King's College in Wilkes-Barre. Ms. Webby was a third generation King's College attendee. She graduated from King's College in the Honors Program with a B.A. in Criminal Justice and Sociology. Angel Mae Webby attended law school at Dickinson School of Law, where she received the Nadel Scholarship and Pinkus Grant for academic achievement. Also, while at Dickinson Law School she was active in leadership and committe positions. She graduated with...
William Moore
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William Moore
Colmar, PA Insurance Claims Lawyer with 38 years of experience
(215) 822-7575 2605 North Broad Street
Colmar, PA 18915
Free ConsultationInsurance Claims, Criminal Defense, DUI & DWI and Personal Injury
Temple University
William E. Moore, is a Partner with the law firm of Rubin, Glickman, Steinberg and Gifford, joined the firm in 1995. Mr. Moore is a past member of the Pennsylvania Advisory Committee on Probation, having been nominated by Gov. Tom Ridge with his appointment confirmed by the Pennsylvania Senate in May of 2000. He was a Parole Agent with the Pennsylvania Board of Probation and Parole for eleven years. Prior to joining Rubin, Glickman and Steinberg, he was chief deputy district attorney with the Bucks County District Attorney's Office for eight years heading up the Drug Prosecution Team, trying many...
Sarah Simkin
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Sarah Simkin
Pittsburgh, PA Insurance Claims Lawyer
(412) 926-1800 20 Stanwix St
3rd Floor
Pittsburgh, PA 15222
Insurance Claims, Business and Construction
Boston University School of Law
Paul Lauricella
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Paul Lauricella
Philadelphia, PA Insurance Claims Lawyer
(215) 568-1510 One Commerce Square
2005 Market Street, Suite 2300
Philadelphia, PA 19103
Insurance Claims, Asbestos, Business and Personal Injury
Villanova University
Paul Lauricella has been a trial attorney since 1982. Out of law school, he worked as an assistant district attorney, where he tried and convicted violent criminals. In 1987, Paul brought his trial experience to the Beasley Firm, where he spent twenty-four years as an associate and as a partner. Trained by the late legendary trial attorney James E. Beasley, Paul has secured million and multimillion dollar verdicts in malpractice actions involving a wide variety of medical specialties, including obstetrics/gynecology, emergency medicine, radiology, psychiatry, orthopedic surgery, urology, family practice, and even oral surgery. He has also won verdicts in products...
Aubrey T. Hiskey
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Aubrey T. Hiskey
Pittsburgh, PA Insurance Claims Lawyer
(412) 926-1800 20 Stanwix St
3rd Floor
Pittsburgh, PA 15222
Insurance Claims, Business and Construction
Duquesne University School of Law
Thomas Dominick Berret
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Thomas Dominick Berret
Pittsburgh, PA Insurance Claims Attorney with 26 years of experience
(800) 350-4259 1326 Freeport Road, Suite 100
Pittsburgh, PA 15238
Free ConsultationInsurance Claims, Medical Malpractice and Personal Injury
University of Akron School of Law
Thomas D. Berret was raised in Pittsburgh, where he attended Central Catholic High School and the University of Pittsburgh, where he was a member of the varsity wrestling team and graduated with a Bachelor’s of Science degree in Psychology.

Attorney Berret graduated from the University of Akron School of Law in 1995, and returned to Pittsburgh to practice law. He began his practice with a small law firm, and thereafter served as the law clerk to the Honorable Charles Alexander, President Judge of the Court of Common Pleas of Clarion County.

Tom joined Hal K. Waldman and Associates in 1997, and...
Victor Abraham Delnore
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Victor Abraham Delnore
Pittsburgh, PA Insurance Claims Lawyer with 12 years of experience
(412) 926-1824 20 Stanwix St
3rd Floor
Pittsburgh, PA 15222
Insurance Claims, Business and Construction
University of Alabama School of Law
John Kenneth Harris
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John Kenneth Harris
Philadelphia, PA Insurance Claims Attorney with 46 years of experience
(215) 561-1700 30 S. 17th Street
19th Floor
Philadelphia, PA 19103
Free ConsultationInsurance Claims, Business and Estate Planning
New York University School of Law and Villanova University School of Law
If you are about to embark on the estate planning process, the first thing you should do is to seek out the help and support of a Haddon Heights estate planning lawyer. When you come to Harris Law Office, you can have confidence in the help you can receive because Attorney Harris is dedicated to providing you with the help you need at this time. He obtained his Bachelor’s Degree from the University of Virginia, before going on to earn his Juris Doctorate from Villanova University. He has been admitted to the Camden County Bar Association, the New Jersey State...
John Nikitas Zervanos
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John Nikitas Zervanos
Philadelphia, PA Insurance Claims Attorney with 35 years of experience
(215) 732-2260 1525 Locust Street
8th Floor
Philadelphia, PA 19102
Free ConsultationInsurance Claims, Medical Malpractice, Nursing Home and Personal Injury
Temple University
As a founding partner at Soloff & Zervanos, P.C., John N. Zervanos has been a strong voice for the rights of personal injury, medical malpractice, and negligence victims throughout Pennsylvania. Recognized as one of the top 1% of attorneys in the United States by the National Association of Distinguished Counsel-as well as receiving distinction from peers and regional organizations-his expertise has given clients the peace-of-mind they've needed through verdicts, awards, and settlements worth millions of dollars.
Michael Dominic Casari Jr.
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Michael Dominic Casari Jr.
Hazleton, PA Insurance Claims Attorney with 6 years of experience
(570) 455-1812 81 S Church Street
Hazleton, PA 18201
Free ConsultationInsurance Claims, Divorce, Family and Personal Injury
Widener University Commonwealth Law School
Michael D. Suders
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Michael D. Suders
Mifflinburg, PA Insurance Claims Attorney with 37 years of experience
(570) 966-3360 47 E Chestnut St
Mifflinburg, PA 17844
Free ConsultationInsurance Claims, Business, Estate Planning and Personal Injury
Jeffrey J. Valocchi Esq.
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Jeffrey J. Valocchi Esq.
Downingtown, PA Insurance Claims Lawyer
(610) 269-0900 342 E. Lancaster Ave.
Downingtown, PA 19335
Insurance Claims, Business, Divorce and Family
Date of Birth - December 4, 1952 (Downingtown) Married - Wife: Beth E. Valocchi Children: Twin Daughters - May 26, 1989 Alexandra - American University Anastasia - St. Joseph's University Born and Raised in Downingtown One of Eleven Children Parents: Ben A. & Amina C. Valocchi Residence of E. Brandywine since 1985 Member of St. Joseph's Parish
Harry Begier
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Harry Begier
Philadelphia, PA Insurance Claims Attorney
(215) 994-1515 201 S 18th St
Philadelphia, PA 19103
Free ConsultationInsurance Claims
Robert Englert
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Robert Englert
Philadelphia, PA Insurance Claims Attorney with 15 years of experience
(888) 973-3529 3510 Baring Street
Philadelphia, PA 19104
Insurance Claims, Medical Malpractice, Nursing Home and Personal Injury
Pennsylvania State University - University Park and University of Pennsylvania Law School
James D, Hayward Jr.
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James D, Hayward Jr.
Wilkes-Barre, PA Insurance Claims Attorney with 18 years of experience
(570) 970-4598 421 North Pennsylvania Avenue
PO Box 5050
Wilkes-Barre, PA 18710-5050
Free ConsultationInsurance Claims, Bankruptcy, Business and Consumer
Widener University Delaware School of Law
I am a Consumer Law Attorney primarily practicing FORECLOSURE DEFENSE and Credit Card Defense. I also practice Bankruptcy Law and other areas. Please review my website at www.Hayward-Law.com .
John Cordisco
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John Cordisco
Doylestown, PA Insurance Claims Attorney with 36 years of experience
(215) 642-8841 4 E Court St #100
Doylestown, PA 18901
Free ConsultationInsurance Claims, Construction, Personal Injury and Products Liability
Temple University Beasley School of Law
John F. Cordisco concentrates his practice in the representation of serious personal injury claims in both State and Federal Court. At the age of 22 he was elected to the school board. Mr. Cordisco received his degree in law from Temple University and was elected to the 140th legislative district in the Pennsylvania House of Representatives in 1980 at the age of 25. Mr. Cordisco established the firm, Cordisco and Bradway in his hometown of Bristol Pennsylvania serving the very community that made him the success that he is today. After building his client base in his small firm,...
Keith Pavlack
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Keith Pavlack
Lehighton, PA Insurance Claims Attorney with 32 years of experience
(570) 386-3888 1415 Blakeslee Blvd Dr E
Lehighton, PA 18235
Insurance Claims, Personal Injury, Social Security Disability and Workers' Comp
Widener University Delaware School of Law
Keith R. Pavlack is a 1986 graduate of the University of Pittsburgh. He received his Doctor of Laws degree from Widener University School of Law in 1989. While at Widener he received the American Jurisprudence Award for commercial transactions.

During law school, Attorney Pavlack worked as a Law Clerk for the Honorable Anthony Semerraro in the Delaware County Court of Common Pleas. After his admission to the Bar of Pennsylvania Courts in 1989, Attorney Pavlack worked for the Philadelphia Housing Authority where he continued until 1991. Attorney Pavlack worked as an associate for Martin H. Philip Law Office, P.C until...
Michael John Pisanchyn Esquire
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Michael John Pisanchyn Esquire
Scranton, PA Insurance Claims Lawyer
(570) 344-1234 524 Spruce Street
Scranton, PA 18503
Insurance Claims, Criminal Defense, Personal Injury and Products Liability
As founder and owner of the Pisanchyn Law Firm, Attorney Michael Pisanchyn started his working life at a chrome-plating company, and not as an attorney. Through that experience, namely a former co-worker he befriended who lost their life due to poor working conditions, he came to know what he wanted in life, and that was to give a voice to those that have been injured. Attorney Michael Pisanchyn has gone up against some of the biggest corporations, and shown those corporations the law is not just reserved for rich. It is something that can mean the difference between life and death...

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