Claimed Lawyer ProfileSocial Media
Henry D. Acciani
Columbus, OH Personal Injury Attorney
Personal Injury, Insurance Claims, Social Security Disability and Workers' Comp
Northern Kentucky University College of Law
Henry is a partner at O’Connor, Acciani & Levy, having created the firm in 1992.
He practices in the areas of:
- Personal Injury
- Debt Reorganization and Bankruptcy
- Social Security
- Estates and Probate
Born in New Jersey, Henry is married with four children and is admitted to practice in the Ohio Supreme Court and the United States District Court Southern District of Ohio, and has been named among the Top 100 Attorneys by The National Trial Lawyers. Mr. Acciani is also a former Trustee of the Ohio Association of Justice.
Claimed Lawyer ProfileSocial Media
Howard Evan Skolnick
Cleveland, OH Personal Injury Attorney
Free ConsultationPersonal Injury, Medical Malpractice, Nursing Home and Products Liability
Cleveland State University
Howard Skolnick has always focused his firm on communicating effectively and timely with his clients, while fighting aggressively for the best results against insurance companies. Following a serious accident in a third world country, Howard felt the pains of his clients all too well as went through the long hard battle to recovery and life after the accident.
For thirty years, Howard, an invited member of the Multi-Million Dollar Advocates Forum, has zealously represented seriously injured clients in both State and Federal Courts, litigating cases involving a variety of causes of action, such as wrongful death, birth/brain injuries, medical malpractice, nursing...
Claimed Lawyer ProfileSocial Media
Aaron Brockler
Cleveland, OH Personal Injury Attorney with 20 years of experience
Free ConsultationPersonal Injury, Criminal Defense, Juvenile and Traffic Tickets
Case Western Reserve University School of Law
Claimed Lawyer ProfileSocial Media
Daniel P. Mead
New Albany, OH Personal Injury Lawyer with 17 years of experience
Personal Injury, Antitrust, Business and Products Liability
University of Minnesota Law School
Dan Mead represents clients in a wide variety of litigation matters including trust and fiduciary matters, corporate shareholder matters, legal malpractice claims and other commercial litigation matters. Mr. Mead attended the University of Minnesota Law School where he graduated Magna Cum Laude and was elected to Order of the Coif. Prior to attending law school, Mr. Mead graduated from The Ohio State University Summa Cum Laude, receiving a degree in Music Theory.
Claimed Lawyer ProfileSocial Media
Mark Eugene Barbour
Cleveland, OH Personal Injury Attorney with 36 years of experience
(216) 771-8188
50 Public Square, Suite 920
The Terminal Tower
Cleveland, OH 44113
Free ConsultationPersonal Injury, Insurance Claims and Workers' Comp
Cleveland State University
I have over 25 years of experience in representing individuals and families in serious personal injury, wrongful death, and workplace injury cases. Please call me today at 216-771-8188 to see if I can help you. I have an office in suburban Westlake, convenient to I-90 and I-480 with free parking and an office in downtown Cleveland, near the courts and other law firms.
Claimed Lawyer ProfileSocial Media
Andrea L. Burdell-Ware
Medina, OH Personal Injury Attorney with 21 years of experience
Personal Injury, Divorce and Family
Case Western Reserve University School of Law
Medina attorney providing aggressive representation and honest, fair advice for divorce, dissolution and child custody. Get information before it is too late to plan your options.
Claimed Lawyer ProfileSocial Media
David Engler
Youngstown, OH Personal Injury Lawyer with 39 years of experience
(330) 729-9777
725 Boardman Canfield Road
Unit S3
Youngstown, OH 44512
Free ConsultationPersonal Injury, Criminal Defense, Divorce and Elder
Case Western Reserve University School of Law
David L. Engler has litigated highly complex civil rights, domestic relations, probate and criminal matters. His reputation is as a skilled courtroom litigator that fights for his clients. He is a former County Commissioner, City Councilman and current long-time County School Board member. He is admitted into the federal courts in Ohio, Pennsylvania and Kentucky. He is currently litigating both civil rights matters in Kentucky and a complex custody case in North Carolina. He has represented clients in European civil disputes, negotiated a record deal for a top R&B group and once represented the...
Claimed Lawyer ProfileSocial Media
Katie Harris
Cleveland, OH Personal Injury Attorney
Free ConsultationPersonal Injury, Insurance Claims, Medical Malpractice and Products Liability
Katie became a personal injury and medical malpractice attorney because she worked on the other side of these cases and learned how she wanted to use her talents. She wanted to help people and fight for them, not work for large insurance companies figuring out the least amount of money to pay someone facing a catastrophic loss.
Katie is intelligent, compassionate, and a fierce advocate for her clients who treat them with kindness and empathy while always fighting for their best interests. When she’s not in the office, Katie loves traveling with her husband, reading and writing, and spending time with...
Claimed Lawyer ProfileSocial MediaResponsive Law
Steven Maas
Youngstown, OH Personal Injury Attorney with 42 years of experience
Free ConsultationPersonal Injury, Criminal Defense, Traffic Tickets and Workers' Comp
Wake Forest University School of Law
Steven D. Maas worked in the steel mills when he was a young man — and it was there where he decided that he wanted to become a lawyer who would help working people.
Atty. Maas worked for Republic Steel and Copperweld Steel over the course of six summers to help finance his undergraduate and law school educations. He came to realize the need for workers to have quality legal representation when they’re hurt on the job.
“Working with the people there, I realized that I thought I could do a good job representing them,” Atty. Maas recalls. “And I knew right...
Claimed Lawyer ProfileSocial Media
Kevin Scott Sandel
Akron, OH Personal Injury Attorney with 29 years of experience
Free ConsultationPersonal Injury and Insurance Claims
University of Akron School of Law
Claimed Lawyer ProfileSocial Media
Sandy Meizlish
Marietta, OH Personal Injury Attorney with 46 years of experience
Free ConsultationPersonal Injury, Medical Malpractice and Products Liability
Capital University Law School
Sanford A. Meizlish attended law school and graduated from Capital University Law School in 1979. Sanford Meizlish began practicing law in 1979.
Sanford Meizlish is an attorney at Barkan Meizlish, LLP, helping people with Personal Injury - General: Plaintiff issues. Barkan Meizlish, LLP has an office in Columbus, Ohio, serving the local community.
Sanford Meizlish was selected to Super Lawyers for 2009 - 2020. Super Lawyers is an exclusive list of top-rated attorneys in specific practice areas who were chosen after thorough evaluation of numerous criteria.
In addition to addressing Personal Injury - General: Plaintiff legal needs, he also assists clients with Personal...
Claimed Lawyer ProfileSocial Media
Neal Barkan
Marietta, OH Personal Injury Lawyer with 47 years of experience
Free ConsultationPersonal Injury, Civil Rights, Social Security Disability and Workers' Comp
University of Washington School of Law
Neal Barkan joined Barkan Meizlish as a Senior Partner in January 2014 when his firm, Barkan & Barkan Co., LPA, which he founded with his father, Irving Barkan, merged with Barkan Meizlish Handelman Goodin DeRose Wentz, LLP. Neal is a partner and practices in the areas of Personal Injury, Trial Practice, and Negligence Law.
Mr. Barkan graduated from Washington University in St. Louis, Missouri in 1975 with the summa cum laude distinction. He received his law degree from the George Washington University, National Law Center, in 1978, where he was active in the legal “street” clinic which served those who could...
Claimed Lawyer ProfileSocial Media
Mr Nicholas J. Horrigan
Akron, OH Personal Injury Lawyer with 15 years of experience
Personal Injury, Criminal Defense, DUI & DWI and Traffic Tickets
University of Akron
Attorney Nicholas J. Horrigan practices criminal defense, civil litigation, and debt collection at the law firm of DiCaudo, Pitchford & Yoder. He attended the Ohio State University, where he received his B.A. in Strategic Communication and a minor in business. Three years later, he graduated from law school at Akron University School of Law. Mr. Horrigan had the great privilege of being an associate editor for the Akron Law Review, and also clerked for the Honorable Judge Elinore-Marsh Stormer of Summit County Court of Common Pleas. Attorney Horrigan now works for the law firm of DiCaudo, Pitchford & Yoder as...
Claimed Lawyer ProfileSocial Media
Charles Douglas Lynch
Mansfield, OH Personal Injury Lawyer with 49 years of experience
Free ConsultationPersonal Injury, Divorce, Estate Planning and Family
Ohio Northern University
Charles Lynch is a compassionate Ohio family law attorney with 40 years of experience helping people through these complex and frequently emotional times in their lives. His practice areas include adoption, mediation, divorce and separation agreements, estate planning, trusts, custodial arrangements, and more.
Claimed Lawyer ProfileSocial Media
Joseph Anthony Condeni
Brooklyn Heights, OH Personal Injury Attorney with 43 years of experience
(216) 771-1760
600 East Granger Road Second Floor
Brooklyn Heights, OH 44131
Personal Injury, Business, Construction and Medical Malpractice
Cleveland State University and Bowling Green State University
Joe received his Juris Doctor degree from Cleveland-Marshall College of Law in 1982 after graduating from Bowling Green State University. While attending law school he served as managing editor of the Cleveland State Law Review and was selected for inclusion in Who's Who Among American Law Students. Joe was honored with inclusion in Who's Who in American Law for the Millennium Edition and is a member of the Ohio Association for Justice, American Association for Justice, Cleveland Academy of Trial Attorneys, the Ohio Employment Lawyers Association, and the Ohio State Bar Association. Mr. Condeni concentrates his practice in the area...
Claimed Lawyer Profile
Marque Carey
Akron, OH Personal Injury Lawyer with 13 years of experience
Personal Injury, Bankruptcy, Business and Estate Planning
University of Louisville Louis D. Brandeis School of Law
Marque Carey is an attorney with over 11 years of experience in bankruptcy law. His practice focus is on consumer and business bankruptcy, including Chapter 7, 11 and 13. Marque has handled hundreds of cases as both a Trustee and Debtors counsel. In 2011 Marque was appointed as a Chapter 7 Trustee in the Western District of Kentucky.
In addition to his extensive experience as a Trustee, Marque has 13 years' experience as a bankruptcy attorney. As a debtor's attorney he has experienced a multitude of scenarios and has the skillset to address those confidently.
Marque values open and frequent communication with...
Claimed Lawyer Profile
Tyler K Amick
Beachwood, OH Personal Injury Lawyer
Personal Injury
Cleveland State University Cleveland-Marshall College of Law
Tyler Amick joined Joseph Law Group as a law clerk in 2018 when he was in law school. Since that time he has gained valuable litigation experience, including handling discovery and drafting pleadings, motions, and briefs to advocate for clients in court. Tyler’s knowledge of personal injury/negligence law in Ohio is evident through his ability to conduct legal research and apply it to specific, complex situations. When providing a consultation, Tyler draws upon this legal knowledge and provides compassionate, law-based reasoning regarding a potential claim’s merits.
As a law clerk, Tyler utilized his research and writing experience to draft a successful...
Claimed Lawyer ProfileSocial Media
David Kulwicki
Cleveland, OH Personal Injury Lawyer with 36 years of experience
(216) 595-1900
23240 Chagrin Blvd. Suite 101
Commerce Park IV
Cleveland, OH 44122
Free ConsultationPersonal Injury, Medical Malpractice and Nursing Home
Ohio State University - Columbus
David A. Kulwicki is a trial attorney with 31 years of experience and over $100 Million in recoveries for his clients. Mr. Kulwicki handles only catastrophic injuries, resulting from medical malpractice, nursing home abuse or neglect, car crashes, truck crashes, elevator and escalator injuries, traumatic brain injuries, construction site accidents, electrocutions, explosions and burns. Mr. Kulwicki handles each case personally from beginning to end, and remains after the recovery to assist clients with health, living, financial, public benefit and legal resources to protect their recovery for life. He prides himself in researching and understanding difficult medical...
Claimed Lawyer Profile
Evangelos Sisalouis
North Olmsted, OH Personal Injury Lawyer with 4 years of experience
Free ConsultationPersonal Injury
University of Akron School of Law
Evangelos Sisalouis is an Ohio personal injury lawyer, passionately committed to advocating for individuals who have sustained injuries or lost loved ones in preventable commercial vehicle accidents. His commitment to justice is firmly rooted in ensuring that the voices of his clients are heard, and their rights are defended.
With an impressive educational background that includes a Juris Doctor from Akron Law and a triple major in Political Science, Economics, and Philosophy from Youngstown State University, Evangelos exemplifies dedication to the principles of advocacy, service, and justice.
Born in the United States and raised in Greece, Evangelos embodies the Greek principle of...
Claimed Lawyer ProfileSocial MediaResponsive Law
Robert Charles Bianchi
Independence, OH Personal Injury Lawyer with 41 years of experience
Free ConsultationPersonal Injury, Probate and Workers' Comp
Cleveland State University Cleveland-Marshall College of Law
Claimed Lawyer ProfileSocial Media
Emmanuel Omobolaji Olawale
Westerville, OH Personal Injury Attorney with 19 years of experience
(614) 392-2556
385 County Line Road West
Suite 160
Westerville, OH 43082
Personal Injury and Immigration
Capital University Law School
Emmanuel Olawale is a trial lawyer who has successfully tried several personal injury and other civil cases before juries and judges. With over $10 million in settlements and verdicts obtained for clients, over 6,000 satisfied clients and over 350 lawsuits, Emmanuel is an attorney who makes seeking justice for his clients the focus of his practice.
Emmanuel Olawale graduated with Honors from the City University of New York, College of Staten Island; he received his Associate of Arts (AA) degree in Liberal Arts and Bachelor of Science (BS) degree in Communication, Media studies, and Journalism. He received his Juris Doctorate degree...
Claimed Lawyer Profile
William J Balena
Elyria, OH Personal Injury Lawyer with 46 years of experience
Free ConsultationPersonal Injury, Bankruptcy, Criminal Defense and DUI & DWI
Cleveland State University and Pennsylvania State University - University Park
William Balena is an experienced bankruptcy and traffic trial attorney. Bill is an active member of NACBA. He attends annual workshops and continuing education in the area of advanced consumer bankruptcy issues. He represents consumers in chapter 7 and chapter 13. Bill is also a former city prosecutor and is well versed in traffic defense including Ohio drunk driving (OVI, DWI, DUI) and speeding tickets.
Claimed Lawyer ProfileSocial Media
Benjamin Barrett
Lorain, OH Personal Injury Lawyer
Personal Injury, Medical Malpractice and Products Liability
"Becoming a trial lawyer was my goal as long as I can remember. Through developing my trial skills, I have been able to help my clients favorably resolve many difficult and sometime desperate situations. It is truly a challenge and a privilege to be able to be in the position to help people."
Ben and the late Ray Miraldi were the founding partners of Miraldi and Barrett. Ben received his undergraduate degree from John Carroll University in 1962. He began his law career in 1966 after attaining a Juris Doctorate degree from Cleveland Marshall College of Law. Ben has been recognized...
Claimed Lawyer Profile
Mr Hector G Martinez Jr
Willoughby, OH Personal Injury Attorney with 27 years of experience
Free ConsultationPersonal Injury, Criminal Defense, DUI & DWI and White Collar Crime
Case Western Reserve University School of Law
Attorney Hector G. Martinez, Jr., is the principal of the law firm, The Martinez Firm. He attended The Ohio State University (B.S. in Business Administration - 1993) and Case Western Reserve University School of Law (J.D. -1997). His practice focuses on criminal defense, with an emphasis on drunk driving defense. Mr. Martinez is N.H.T.S.A. certified, having attended the N.H.T.S.A. Standardized Field Sobriety Testing course in 1999. He is a member of the Ohio Association of Criminal Defense Lawyers and the Lake County Bar Association. He is a frequent lecturer on Ohio Traffic Laws, as well as...
Claimed Lawyer ProfileSocial Media
Richard Anthony Vadnal
Willoughby, OH Personal Injury Attorney with 36 years of experience
Free ConsultationPersonal Injury and Medical Malpractice
Cleveland State University
Aggressive pursuit of personal injury, wrongful death, medical malpractice cases. "AV" rating (highest rating possible) by Martindale Hubbell Legal Directory.
Claimed Lawyer ProfileSocial Media
Darrin Leist
Columbus, OH Personal Injury Lawyer with 25 years of experience
Free ConsultationPersonal Injury, Consumer and Criminal Defense
Ohio State University - Columbus
Darrin C. Leist grew up in Groveport, Ohio graduating from Groveport-Madison High School. Following college graduation, Darrin worked for seven years in government and politics throughout the state of Ohio before ultimately pursuing his lifelong goal of becoming an attorney. He entered law school full-time studying at Capital University and Trinity College in Dublin, Ireland, before completing his studies and obtaining his law degree from The Ohio State University in 1998.
Claimed Lawyer ProfileSocial Media
Brian George Miller
Worthington, OH Personal Injury Lawyer
(614) 221-4035
250 W Old Wilson Bridge Rd
Suite 270
Worthington, OH 43085
Personal Injury and Products Liability
Brian G. Miller is the president and founder of Brian G. Miller Co. As a civil litigator, Mr. Miller focuses on plaintiffs’ personal injury cases including negligence claims, automobile, truck and motorcycle accidents, workplace injuries, wrongful deaths, premises liability cases, and other personal injury claims. He places an emphasis on diligent investigation of claims combined with an academic approach for the most effective legal representation for each individual client. He is an accomplished trial lawyer, having started his career as an assistant prosecuting attorney with the Franklin County prosecutor’s office, and having secured numerous successful civil verdicts on behalf of...
Claimed Lawyer Profile
Jeremy Heck
Columbus, OH Personal Injury Lawyer
Free ConsultationPersonal Injury and Consumer
Capital University Law School
I am an Ohio consumer law attorney and founding partner at Luftman, Heck & Associates LLP. I have been practicing law since 2003 and have since been focusing primarily on consumer law with heavy weight on consumer rights and unfair debt collection.
Claimed Lawyer ProfileSocial Media
Patrick Gregory Warner
Columbus, OH Personal Injury Lawyer with 29 years of experience
Free ConsultationPersonal Injury, Business, Consumer and Securities
Capital University Law School
Patrick Warner is a founding partner at Leist Warner. Patrick received his Bachelor of Arts degree from The Ohio State University and his Juris Doctor (cum laude) from Capital University Law School in Columbus, Ohio where he was a member of the Order of the Curia. Patrick is admitted to the United States District Court for the Southern District of Ohio, the United States District Court for the Northern District of Ohio, the United States District Court for the Central District of Illinois, as well as the Supreme Court of Ohio and all other Ohio state courts
Claimed Lawyer ProfileSocial Media
Daniel Picketts
Columbus, OH Personal Injury Lawyer
Personal Injury, Divorce, Family and Workers' Comp
University of Massachusetts School of Law
Associate Attorney Daniel Picketts is returning to his home of Ohio after completing his Juris Doctorate at the University of Massachusetts Dartmouth.
Having left Ohio after enlisting in the United States Marine Corps in 2007, Daniel has traveled around the world gaining various skills along the way. Daniel excelled in the Marine Corps displaying a natural talent for inspiring and leading Marines. He was selected for leadership roles over his peers at every opportunity presented, including a combat meritorious promotion while deployed to Afghanistan. Daniel ended his enlistment with the rank of Sergeant, a feat rarely attained in the first four-year...
Claimed Lawyer Profile
H Lee Thompson
Columbus, OH Personal Injury Attorney with 49 years of experience
Free ConsultationPersonal Injury, Insurance Claims, Medical Malpractice and Products Liability
University of Connecticut School of Law
Claimed Lawyer Profile
Philip M. Collins
Columbus, OH Personal Injury Lawyer with 52 years of experience
Free ConsultationPersonal Injury, Criminal Defense, Divorce and Estate Planning
Ohio State University - Columbus
While providing the personal attention of a small firm, our experience, knowledge of the law, qualified/trained staff, and cutting-edge technology, allow us to provide our clients with the highest quality legal services. We use prompt, effective communication and action to assist individuals and small businesses in resolving their legal needs. We keep clients advised in all phases of their legal issues, including planning, strategies, negotiations, alternative dispute resolution, and litigation. We utilize a network of affiliated professional consultants, including other attorneys, to provide our clients with specialized counsel in a wide variety of legal matters.
Claimed Lawyer ProfileSocial Media
Kimberly K. Yoder
Rocky River, OH Personal Injury Lawyer with 29 years of experience
(216) 767-5055
20525 Center Ridge Road, Suite 133
Rocky River, OH 44116
Free ConsultationPersonal Injury, Business, Divorce and Probate
Cleveland State University
Providing comprehensive legal services to individuals and small businesses in the greater Cleveland area. Areas of practice include divorce and dissolution, small business, probate and estate planning, personal injury, and general civil law
Claimed Lawyer ProfileSocial Media
Timothy Misny
Cleveland, OH Personal Injury Attorney with 48 years of experience
(877) 944-4373
600 Superior Avenue East
Suite 1300
Cleveland, OH 44114
Free ConsultationPersonal Injury, Medical Malpractice, Nursing Home and Workers' Comp
Cleveland State University
Tim Misny is an experienced Ohio personal injury lawyer. For over 30 years, Mr. Misny has worked to fight for his personal injury and medical malpractice clients to obtain fair compensation.
Claimed Lawyer ProfileSocial Media
George Mineff Jr
Cleveland, OH Personal Injury Lawyer
Free ConsultationPersonal Injury and Workers' Comp
George Mineff, Jr., an alumnus of Augusta Military Academy, The University of South Carolina, and Cleveland-Marshall College of Law, has been practicing law in downtown Cleveland since 1984, expertly handling cases across northern Ohio. Passionate about his work from the beginning, he enjoys engaging with people and addressing their legal challenges. His dedication has led to a significant client base, representing individuals in Municipal Courts and Court of Common Pleas throughout Ohio. Proud of his dedicated staff, his personal approach has fostered confidence among clients, prompting them to recommend his services for personal injury cases.
Claimed Lawyer Profile
Ethan Thomas Vessels
Marietta, OH Personal Injury Lawyer with 22 years of experience
Personal Injury, Business, Collections and Health Care
Ohio State University - Columbus
I am a principal shareholder of Fields, Dehmlow & Vessels, LLC. I limit my practice exclusively to civil litigation with an emphasis on personal injury, insurance, and employee benefits (ERISA) litigation. I am licensed in both Ohio and West Virginia. We litigate matters throughout Southeastern Ohio and Northern West Virginia, including all of the federal district courts.
Claimed Lawyer ProfileSocial Media
Ernest Lavell Wilkerson Jr
Cleveland, OH Personal Injury Lawyer
Personal Injury, Business and Municipal
University of Pennsylvania Law School
Attorney with over 35 years experience.
Credentials: Editor of Law Review in Ivy League Law School; trained in the large corporate law firms.
Matters handled:
substantial injuries, civil litigation, nursing home negligence, dog bites, accidents (motor vehicle, motorcycle, truck, train, bicycles, etc), business law, municipal bonds, commercial transactions, real estate.
Claimed Lawyer ProfileSocial Media
David Michael Todaro
Wooster, OH Personal Injury Lawyer with 22 years of experience
Personal Injury, Bankruptcy, Criminal Defense and Estate Planning
Cleveland State University
Attorney David M. Todaro understands the complexities of the law and helps residents in Northeast Ohio navigate the legal system. When you choose to seek advice from Attorney David M. Todaro you can be assured that your issues will be handled in the most sensitive and efficient way possible. With experience dealing with a number of legal issues, the Todaro Law Office is prepared to fight for your case.
David’s private practice consists primarily in the areas of personal injury, wrongful death, medical negligence, criminal law, and bankruptcy.
The Todaro Law Office is a full service law firm serving Northeast Ohio. Since...
Claimed Lawyer Profile
Ryan Jon Melewski
Canfield, OH Personal Injury Lawyer with 15 years of experience
Free ConsultationPersonal Injury, Business, Medical Malpractice and Nursing Home
University of Akron School of Law
I am a partner and trial attorney at Rafidi, Pallante & Melewski, an Ohio based, multi-office boutique law firm that focuses on personal injury, business litigation and probate/trust litigation. In the past few years, I have had the honor of representing a family who lost their wife and mother to a trucking accident, a woman who experienced severe and debilitating injuries after she fell at a national retail store, a child who had to endure painful and unnecessary wounds as a result of medical malpractice, and numerous people who suffered neck, back and shoulder injuries in a car accident....
Claimed Lawyer Profile
Mark Willis
Akron, OH Personal Injury Attorney with 38 years of experience
Free ConsultationPersonal Injury and Products Liability
Since the beginning of my legal career, I have dedicated my skills to putting people’s lives back together. My typical client finds his or her life torn apart as a result of someone else’s carelessness, negligence, recklessness, or greed. Injuries are not always just a physical component. They are mentally exhausting. Often they create financial and emotional stress as well.
I have successfully represented clients against insurance companies, banks, mortgage companies, real estate companies, trucking companies, Fortune 500 companies and local businesses as well as other individuals. I have been on the cutting edge of obtaining insurance coverage...