Claimed Lawyer ProfileSocial Media
Patrick J. Arnold
Manchester, NH Lawyer with 15 years of experience
Free ConsultationPersonal Injury
University of New Hampshire School of Law
Attorney Patrick Arnold focuses his practice on civil litigation, criminal defense and business law. He served on the Board of Mayor & Aldermen (city council) for Manchester -- New Hampshire's largest city - from 2009 until 2014, during which time he served as a member of numerous committees, and was founding chairman of the Committee on Jobs & Economic Development. In 2014, he was unanimously confirmed to the city's Conduct Board, which interprets the city's code of ethics and investigates allegations of misconduct by public officials. Attorney Arnold previously served as a Director of the Manchester Development Corporation, and as...
Claimed Lawyer ProfileSocial Media
Raymond Tamayo
Manchester, NH Lawyer with 22 years of experience
814 Elm St., Suite 515
Manchester, NH 03101
Free ConsultationCriminal Defense and DUI & DWI
New England Law | Boston
I am licensed to practice law in the states of New Hampshire, Massachusetts, and Florida. The focus of my law practice is DWI defense. As a former prosecutor, I now use that knowledge to protect the rights of my clients.
Claimed Lawyer ProfileQ&ASocial Media
Joseph Kelly Levasseur
Manchester, NH Attorney with 24 years of experience
Free ConsultationDUI & DWI and Personal Injury
Massachusetts School of Law
Attorney Joseph Kelly Levasseur has been a practicing attorney for over 22 years. Over those years Attorney Levasseur has relentlessly fought for and gotten, millions in compensation for his numerous clients. He fights for every dollar and is well known for his straightforward no-nonsense approach to getting results.
For a Free Consult for Injury cases: like slip and fall, car accidents, motorcycle accidents, dog bite, sexual harassment, assault and battery, wrongful death, slander and any injury to the person whether bodily or personal. Joseph Kelly Levasseur doesn’t treat his clients like just another case number. Instead,...
Claimed Lawyer ProfileSocial Media
M. Jeanne Trott
Manchester, NH Lawyer with 39 years of experience
Free ConsultationMedical Malpractice, Personal Injury, Social Security Disability and Workers' Comp
Vermont Law School
Compassionate and aggressive representation of personal injury clients for more than 25 years. Combined experience as trial attorney and former registered nurse with practice limited to representation of car accident victims, workers compensation, social security disability and medical malpractice. Licensed to practice law in New Hampshire and Massachusetts. No fee without recovery. Evening and weekend appointments available with free initial consultation.
Claimed Lawyer ProfileSocial Media
Michaila M. Oliveira
Manchester, NH Attorney with 8 years of experience
Free ConsultationDivorce, Family, Nursing Home and Personal Injury
University of New Hampshire School of Law
Attorney Michaila M. Oliveira is a graduate of the prestigious Daniel Webster Scholar program at the University of New Hampshire School of Law. During law school, Michaila served as a judicial intern with the New Hampshire Family Division in Manchester, a student attorney with the Consumer Protection and Civil Litigation Clinic, and an intern with our office. Michaila focuses her practice on all areas of personal injury and family law, but is particularly passionate regarding her representation of sexual assault survivors in civil lawsuits against their assailants and the organizations which allowed the abuse to occur. She is admitted to...
Claimed Lawyer ProfileSocial Media
Thomas Kiley
Manchester, NH Lawyer with 51 years of experience
Free ConsultationMedical Malpractice, Personal Injury and Products Liability
Suffolk University Law School
Thomas Kiley is the senior partner and founder of Kiley Law Group, LLC. He dedicates his work to finding justice for those who have been seriously injured or have suffered through the wrongful death of a loved one.
Claimed Lawyer ProfileSocial Media
Francis G. Murphy
Nashua, NH Lawyer with 44 years of experience
Free ConsultationMedical Malpractice and Personal Injury
Fordham University School of Law
Francis G. Murphy is a highly-skilled attorney with over 40 years of experience practicing law.
Francis has successfully represented clients in diverse areas of civil litigation, including cases involving truck, car and motorcycle accidents, workplace injuries, and employment discrimination. He has appeared in every Superior Court in New Hampshire as well as the Federal District Court, New Hampshire Human Rights Commission and New Hampshire Department of Labor. He has argued numerous appellate cases before the New Hampshire Supreme Court and the First Circuit Court of Appeals.
Fran was included in the list of Best Lawyers in America for both his work on...
Claimed Lawyer Profile
Michael James Kelley
Nashua, NH Attorney with 31 years of experience
Free ConsultationMilitary and Social Security Disability
New England Law | Boston
Michael Kelley founded the law firm, New England Disability. The firm specializes in representing claimants seeking disability benefits from the Social Security Administration, Veterans Administration, Long Term Disability Insurers, Federal Worker's Compensation, State Disability Retirement. My firm represents Claimant's seeking benefits throughout the entire Northeastern United States from initial claims through Federal Court Appeals.
Claimed Lawyer ProfileBlawg SearchSocial Media
Paul Garrity
Londonderry, NH Lawyer with 35 years of experience
Free ConsultationCriminal Defense, DUI & DWI, Domestic Violence and Juvenile
Attorney Paul J. Garrity is a Dedicated Criminal Defense Attorney, DWI/DUI Lawyer in Manchester NH, Nashua NH and Londonderry NH.
Attorney Garrity is a high profile murder trial lawyer, and has helped hundreds of clients facing felony and misdemeanor charges, drug charges, possession and violent crime defense in NH.
Claimed Lawyer ProfileSocial Media
Michael Anzalone
Nashua, NH Lawyer with 18 years of experience
Free ConsultationCriminal Defense, DUI & DWI, Divorce and Family
Massachusetts School of Law at Andover
If you are facing serious criminal charges, you’ll want New Hampshire attorney Michael Anzalone by your side. Getting the right results for individuals up against a complex legal system is what Anzalone does best. The mission for The Anzalone Law Firm is getting the best possible results for his clients. And he and his legal team will be with you every step of the legal journey.
Michael maintains the integrity of his practice by fighting as aggressively as possible within the lines of ethics. He also vows to put his clients’ needs first. His team of lawyers and administrative staff provide...
Claimed Lawyer ProfileSocial Media
David Buckley
Nashua, NH Lawyer with 33 years of experience
Free ConsultationBankruptcy, Personal Injury and Products Liability
New England School of Law, JD
David E. Buckley is the founding attorney at the law firm, Buckley Law Offices, P.C. Mr. Buckley received his Bachelor of Sciences degree in Criminal Justice from Salve Regina University, and his Juris Doctorate degree from the New England School of Law. He is a member of numerous associations including the New Hampshire Bar Association, the Massachusetts Bar Association, the United States District Court, District of New Hampshire, and the United States District Court, District of Massachusetts. At the firm, Attorney Buckley uses his 31 years of experience to assist individuals, families, businesses, and organizations of both New Hampshire and...
Claimed Lawyer ProfileSocial Media
Shawn J. Tennis
Manchester, NH Lawyer with 9 years of experience
Free ConsultationMedical Malpractice, Nursing Home and Personal Injury
Massachusetts School of Law
Shawn J. Tennis is an associate attorney at Ward Law Group, PLLC and his areas of concentration are Personal Injury, Workers’ Compensation and Civil Litigation. Prior to working for Ward Law Group, PLLC, he worked for an Injury Law Firm in Massachusetts and New Hampshire. Shawn is passionate about representing clients who have been injured due to the actions of others and is eager to share his talents with future clients.
Shawn attended Mt. Washington College earning his bachelor’s degree in Criminal Justice and went on to graduate Cum Laude from Massachusetts School of Law. He is admitted to practice law...
Claimed Lawyer ProfileSocial Media
Michael Stephen Bowser Jr.
Nashua, NH Attorney with 31 years of experience
Free ConsultationCriminal Defense, DUI & DWI and Personal Injury
University of New Hampshire School of Law
Attorney Bowser has successfully defended hundreds of cases for clients charged with drunk driving, commonly referred to as Operating Under the Influence (OUI) in Massachusetts and Driving While Intoxicated (DWI) in New Hampshire. He is Board Certified as a DUI Defense Specialist by the National College for DUI Defense. This certification is accredited by the American Bar Association but not regulated by the Commonwealth of Massachusetts. He has developed a well earned reputation for being on of the top drunk driving defenders in the area.
Attorney Bowser also handles a variety of personal injury claims for clients sustaining injury due...
Claimed Lawyer ProfileSocial Media
Melaney Hodge
Manchester, NH Lawyer with 13 years of experience
Free ConsultationDivorce and Family
New England Law | Boston
I am an experienced New Hampshire Family and Divorce lawyer dedicated to helping my clients with matters such as divorce and custody disputes. I am committed to pursuing a favorable outcome for each of my clients.
Call today for a consultation or visit my website for more information.
Claimed Lawyer ProfileSocial Media
Mary E. Gaiser
Manchester, NH Attorney
102 Bay St #2
Manchester, NH 03104
Free ConsultationDivorce and Family
University of New Hampshire School of Law
I am an experienced New Hampshire Family and Divorce lawyer dedicated to helping my clients with matters such as divorce and custody disputes. I am committed to pursuing a favorable outcome for each of my clients.
Call today for a consultation or visit my website for more information.
Claimed Lawyer ProfileSocial Media
Gordon Unzen
Manchester, NH Lawyer with 1 year of experience
Free ConsultationPersonal Injury and Workers' Comp
University of Minnesota Law School
Gordon Unzen’s practice focuses on helping clients navigate a wide range of legal matters involving social security disability (SSD) claims, workers’ compensation, and personal injury. He fights for his clients with attention to detail, a client-focused mindset, and a strong sense of justice.
Gordon graduated from the University of Minnesota Law School and was admitted to the prestigious Order of the Coif in recognition of his academic work. While in law school, he focused his time on honing his advocacy skills and giving back to his community by serving at the state and local level with the National Lawyers Guild, a...
Claimed Lawyer ProfileBlawg SearchSocial MediaResponsive Law
John B. Kenison Jr.
Manchester, NH Lawyer with 37 years of experience
Free ConsultationInsurance Claims, Medical Malpractice, Personal Injury and Products Liability
Case Western Reserve University School of Law
John B. Kenison, Jr. has been a practicing attorney for over 27 years. His primary area of practice is personal injury. He also offers his service as a professional mediator and arbitrator. He has worked in large insurance defense firms and since 1993 has been focusing on helping injured people.
Attorney Kenison was born and raised in New Hampshire and graduated from the University of New Hampshire. He obtained his law degree from Case Western Reserve University School of Law in Cleveland, Ohio. Before establishing his own law firm, John worked in several large firms always with a focus on personal...
Claimed Lawyer ProfileQ&ABlawg SearchSocial Media
Randall Drew
Bedford, NH Attorney with 28 years of experience
Immigration
Boston University School of Law
After 15 years of practicing immigration law in firms both large and small, the time has come to offer what I have learned to the public in the best way I can. Drew Law Office, pllc. is located across the street from the USCIS office in Bedford, NH. My mission is to offer experienced legal counsel at reasonable rates - in an environment where clients can feel comfortable and where the attorney is always approachable.
Claimed Lawyer ProfileQ&ASocial Media
Thomas J Leonard III
Nashua, NH Attorney with 45 years of experience
Business and Real Estate
University of New Hampshire School of Law
I have practiced law in New Hampshire since being admitted to the Bar in 1979. My practice encompasses business law, real estate law, and trusts and estates. I have extensive experience in land use permitting and real estate development. I have successfully led and coordinated legal and regulatory aspects of commercial and residential real estate developments. These necessarily involved resolving complex real estate regulatory matters such as land use, water source, wetland, and sewage disposal permitting. My experience includes drafting documents for complex real estate developments, creating easements, covenants, and restrictions to...
Claimed Lawyer ProfileSocial Media
James Shaw
Rindge, NH Attorney with 15 years of experience
Free ConsultationCriminal Defense, DUI & DWI, Divorce and Family
Barry University
I am a small-town solo general practice lawyer. I have worked hard to provide quality legal representation to the local community. As a solo practitioner, you get my personal attention, and I do all of the work associated with your case. I do not pass your case off to someone else and you can always reach me to discuss questions or concerns.
Claimed Lawyer ProfileSocial Media
Matthew A. Maalouf
Nashua, NH Lawyer with 12 years of experience
Free ConsultationMedical Malpractice, Personal Injury and Workers' Comp
Suffolk University Law School
Claimed Lawyer ProfileSocial Media
Kevin G. Collimore
Nashua, NH Attorney with 29 years of experience
10 East Pearl St
Nashua, NH 03060
Arbitration & Mediation, Business, Construction and Employment
Boston University School of Law
For more than 20 years, Kevin has been providing effective, efficient legal services to individual and business clients. In 2008, Kevin and his law partner, Brian, founded CullenCollimore, pllc, and brought their extensive trial and legal experience to create an effective, efficient, and responsive firm – a firm founded by trial lawyers who actually try cases. Kevin has also stayed active in his former role as a builder/contractor who built custom homes and provided remodeling services for more than 14 years. He maintains his OSHA certification and continues to perform design and construction work. This background and his...
Claimed Lawyer ProfileSocial Media
Brittani Pelissier
Nashua, NH Attorney with 3 years of experience
Free ConsultationWorkers' Comp
Marquette University Law School
Brittani Pelissier works with clients in a range of practice areas, including personal injury, family law, employment and business law. She provides support and legal assistance to help individuals and business clients overcome their unique challenges.
Prior to joining Shaheen & Gordon, Brittani worked as an associate at the firm of Michael Best & Friedrich LLP in Milwaukee, WI—an Am Law Top 200 firm—where she performed invaluable research and casework, as well as aided in trial preparation. She also served as a law clerk at MillerCoors, where she helped assess and ensure compliance with alcoholic beverage laws and regulations.
While acting as...
Claimed Lawyer ProfileBlawg SearchSocial Media
Russell Goldsmith
Bedford, NH Lawyer with 34 years of experience
Free ConsultationAdministrative, DUI & DWI, Personal Injury and Social Security Disability
University of Maine - School of Law
Attorney Goldsmith pursued a liberal arts education at Haverford College where he graduated with a degree in Philosophy in 1987, following those studies with the immediate pursuit of a law degree. While at the University of Maine School of Law, Attorney Goldsmith was the only student in his class selected as a member of both the law school’s Law Review and Moot Court Competition Board, and did publish during his senior year an article entitled Contracting out of Maine’s Employment-At-Will Doctrine, 42 Maine Law Review 553 (July 1990). While in law school, he likewise interned at well-respected law...
Claimed Lawyer ProfileSocial Media
Shaunna Lee Browne
Manchester, NH Lawyer with 24 years of experience
Free ConsultationDivorce and Family
New England Law | Boston
Attorney Shaunna L. Browne was born and raised in Manchester, New Hampshire. After graduating from Memorial High School she attended the University of New Hampshire in Durham and then transferred to Notre Dame College where she received her Bachelor’s Degree in Paralegal Studies.
Attorney Browne’s first law related employment opportunity occurred when she began working as a Court Assistant with the Hillsborough County Probate Court. She was then hired as a real estate paralegal for a national firm that concentrated in the areas of bankruptcy, foreclosure, and evictions.
In 1995, Attorney Browne graduated from Notre Dame College and began law school at...
Claimed Lawyer ProfileSocial Media
Spencer David Shapiro
Manchester, NH Lawyer with 7 years of experience
Free ConsultationCivil Rights, Municipal and Personal Injury
St. John's University School of Law
Spencer D. Shapiro is a litigator at Horn Wright, LLP, with extensive experience handling civil rights, personal injury, and municipal law cases in the New York State Supreme Courts and Federal District Courts.
As a Deputy County Attorney for the Litigation and Appeals Bureau of the Nassau County Attorney’s office, Mr. Shapiro aggressively defended the County against claims of municipal liability through motion practice, depositions, and at trial, taking several cases to verdict. As a founding member of the Early Case Assessment and Litigation Support Section, Mr. Shapiro also oversaw the intake and triage of notices of claims received by the...
Claimed Lawyer ProfileSocial Media
Robin Melone
Manchester, NH Lawyer with 20 years of experience
(603) 206-7287
Wadleigh, Starr & Peters
95 Market Street
Manchester, NH 03101
Free ConsultationCriminal Defense
Suffolk University Law School
I have represented thousands of clients in front of New Hampshire, Massachusetts, and Federal juries and judges. I have extensive litigation experience and am not afraid to put the opposition to the test representing clients charged with the full spectrum of offenses: motor vehicle, DWI, simple assault, drug possession or sales, serious felony assault, theft, home invasion, sexual assault, homicide and civil commitment proceedings for sex offenders.
I also have extensive experience preparing students for disciplinary hearings in colleges and universities throughout Massachusetts and New Hampshire for Title IX sexual misconduct allegations, drug allegations and academic dishonesty. ...
Claimed Lawyer ProfileSocial Media
Olivier Sakellarios
Manchester, NH Lawyer with 23 years of experience
Free ConsultationCriminal Defense, DUI & DWI, Divorce and Family
Suffolk University Law School
Attorney Oliver Sakellarios is aggressive and experienced. This combination has made him a top flight attorney respected by peers and judges. He practices throughout New Hampshire and Massachusetts. He handles all varieties of criminal defense matters from DWI's to domestic violence to felonies of all degrees of severity. His aggressive litigation style has also established him as a preeminent lawyer in other fields of law such as divorce and personal injury. If you need help with a serious Criminal or Family Law issue, contact Attorney Oliver Sakellarios for a consultation today!
Claimed Lawyer ProfileSocial MediaResponsive Law
Michael H. Brisson
Manchester, NH Lawyer with 13 years of experience
Free ConsultationCriminal Defense and DUI & DWI
University of New Hampshire School of Law
As an Associate with Liberty Legal PLLC, I mostly represent clients accused of DWI/DUI and other criminal offenses. I also practice family law. Occasionally, I handle matters pro bono when they are referred to me through the NH Domestic Violence Emergency ("DOVE") Project or the NH Pro Bono program. (See: https://www.nhlegalaid.org/about/pro-bono). I began my career as a prosecutor, handling criminal matters at the felony level at the Superior Court and litigating jury trials.
Claimed Lawyer ProfileBlawg Search
Holly Haines
Manchester, NH Attorney with 24 years of experience
Free ConsultationMedical Malpractice and Personal Injury
University of New Hampshire School of Law
Claimed Lawyer ProfileSocial Media
Mike J. Demers
Nashua, NH Attorney with 33 years of experience
Divorce, Estate Planning, Family and Probate
Attorney Mike J. Demers graduated magna cum laude (with high honors) from Saint Anselm College in Manchester in 1989; and received his Juris Doctor degree cum laude (with honors) from Suffolk University Law School in Boston in 1992. He is licensed to practice law in New Hampshire and Massachusetts State and Federal Courts. He is a member of the American, New Hampshire, and Nashua Bar Associations. He is a member of the Elder Law, Real Estate, and Family Law sections of the New Hampshire Bar Association. Attorney Demers is also a licensed title agent for Fidelity National Title Insurance Company....
Claimed Lawyer ProfileSocial Media
Tony Naro
Nashua, NH Attorney with 16 years of experience
Free ConsultationCriminal Defense, DUI & DWI, Domestic Violence and Family
Suffolk University Law School
Attorney Anthony Naro is a senior attorney at Bernazzani Law. His practice is focused on criminal defense, Supreme Court appeals, and family law. He also represents clients facing disciplinary action before professional boards for alleged criminal conduct and administrative appeals. Attorney Naro has more than 13 years of experience helping those in crisis navigate the legal system.
Attorney Naro graduated magna cum laude from the University of Massachusetts–Boston with a major in political science with a certification in international relations and a minor in Black studies. After college, Attorney Naro worked for Brown Brothers Harriman before attending Suffolk University Law School,...
Claimed Lawyer ProfileSocial Media
Davi Peters
Nashua, NH Lawyer with 25 years of experience
Business, Collections, Estate Planning and Probate
Boston University School of Law
Davi practices in the areas of estate planning, collections, and commercial law. She represents corporate and individual clients in collection matters, including commercial and medical collections, insurance subrogation, leases, and deficiency balances. She also represents creditors in probate and bankruptcy proceedings. In addition, Davi advises clients in the estate planning process and in the preparation of estate documents, such as wills and health care planning..
Davi is admitted to practice in the state and federal courts of both New Hampshire and Massachusetts. Davi is also a member of the Nashua Bar Association and the Commercial Law League...
Claimed Lawyer ProfileSocial Media
Christopher Garner
Nashua, NH Lawyer
Free ConsultationBankruptcy, Divorce and Family
Franklin Pierce Law Center
The Garner Law Office in Nashua, N.H. provides expertise, professional judgment and effective representation in addressing a wide range of legal issues facing individuals and families. An experienced New Hampshire divorce attorney skilled in collaborative law and traditional family law litigation can assist clients in obtaining successful results in parenting, custody, child support, and alimony and property settlement matters. For more than thirty years Attorney Garner has also practiced bankruptcy law in New Hampshire in chapter 7 and chapter 13 debt reorganization cases designed to stop foreclosures and obtain a fresh start for consumer debtors. The...
Claimed Lawyer ProfileSocial Media
Kristin Mendoza
Nashua, NH Attorney
Business
University of San Francisco School of Law
Kristin Mendoza is the founder and principal attorney at Abridge Law. Abridge Law PLLC is a virtual law practice with attorneys licensed in Massachusetts and New Hampshire. Our practice is limited to business and transactional matters and we have deep knowledge in those areas.
At Abridge Law, we are committed to delivering outstanding services to our clients by breaking down the barriers of the traditional attorney-client relationship. Our firm structure and pricing model are highly optimized so that we can deliver top notch legal services to clients of all sizes and budgets. Our name stands for our commitment to making...
Claimed Lawyer ProfileSocial Media
Robert Bartis
Nashua, NH Lawyer with 24 years of experience
Free ConsultationCriminal Defense and Personal Injury
University of New Hampshire School of Law
Claimed Lawyer ProfileSocial Media
Katherine A Schea
Manchester, NH Attorney with 7 years of experience
Free ConsultationFamily, Personal Injury and Workers' Comp
Vermont Law School and Charlotte School of Law
Attorney Schea’s areas of concentration are Family Law, Personal Injury, Workers’ Compensation and Estate planning. Prior to working for Ward Law Group, PLLC, she was an associate attorney at a family practice law firm in Bedford, NH. While Attorney Schea specializes in many fields, she seeks to primarily focus on making a difference in the area of family law.
Attorney Schea graduated from the Florida Institute of Technology, receiving a Bachelor of Arts degree in Forensic Psychology. While working towards her psychology degree, Attorney Schea worked as an undergraduate research assistant gaining experience from searching through court archives, analyzing data, and...
Claimed Lawyer ProfileSocial Media
Michael L Tyner
Nashua, NH Attorney with 41 years of experience
Free ConsultationPersonal Injury, Social Security Disability and Workers' Comp
Attorney Tyner has been successfully representing clients from the Merrimack Valley area since 1983. His practice focuses on Personal Injury Law, Workers' Compensation, Social Security Disability, and Accidental Disability Retirement. Attorney Tyner earned his B.A. cum laude from Tufts University and received his law degree from Boston University School of Law, where he was a Joseph J. Tauro Scholar and Farr Estate Planning Competition winner. Attorney Tyner was employed for 17 years with the Macaronis Law Firm of Lowell, one of the Merrimack Valley's largest and most successful personal injury law firms. In 2004, he joined the Law Offices...
Claimed Lawyer ProfileBlawg SearchSocial Media
Kevin McCullough
Manchester, NH Lawyer with 27 years of experience
Free ConsultationPersonal Injury
Massachusetts School of Law
Kevin McCullough continues to be the attorney setting the precedent and leading the charge for victims who have suffered serious injury or loss due to another’s negligence or carelessness.
Mr. McCullough is a partner and co-founder of the law firm of Mazow | McCullough, PC. Before forming Mazow | McCullough, PC, Mr. McCullough worked for a Massachusetts automobile insurance carrier and was the person responsible for investigating, evaluating, and resolving serious injury claims. After passing the Massachusetts Bar, Mr. McCullough then worked defending automobile insurance carriers in courts throughout the Commonwealth of Massachusetts. It was during this time that Mr. McCullough...
Claimed Lawyer ProfileSocial Media
Thomas M. Kiley Jr.
Manchester, NH Lawyer with 17 years of experience
Free ConsultationEstate Planning, Medical Malpractice, Personal Injury and Products Liability
Massachusetts School of Law
With the founding of Kiley Law Group, Tom Jr. joined his father, attorney Tom Kiley Sr., as a partner in the firm. Demonstrating the same enthusiasm and commitment to the law as his father and his grandfather, Daniel P. Kiley, Jr., Tom has already established his own record, including six- and seven-figure results on behalf of his clients.
Crediting his father with teaching him that everyone deserves a fighting chance, Tom Jr. has devoted the majority of his practice to doing everything within his power to ensure that big insurance companies play by the same rules that the rest of us...