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How Does Auto Insurance Work and How Do You Use It?

Auto insurance is an essential component of financial planning, offering protection against financial loss in the event of an accident or theft. This blog explores the workings of auto insurance and its practical application. Whether you are a new driver or an experienced one, understanding auto insurance is crucial for your financial security and peace […]

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Policy Prose Decoded: Understanding Auto Insurance Lingo

Understanding the ins and outs of auto insurance language can be challenging for non-legal professionals. At times, it can be alienating, especially when you’re a new driver or policyholder. However, it’s imperative to demystify the lexicon to ensure you’re well-equipped for any challenges you may face down the road. So, to guide you in your […]

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What Does Personal Insurance Cover?

Personal insurance covers various kinds of risks that we face in our daily lives. It provides financial security and peace of mind by offering coverage for unexpected events, losses, and damages. However, many people are still unsure of what personal insurance covers and how it can protect them. This article aims to clarify the different […]

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Why Should People in High-Risk Jobs Consider Life Insurance?

Life insurance is something that is often neglected, particularly among those under fifty. It can seem unnecessary and sometimes overwhelming, with websites containing lots of life insurance jargon that may be difficult to understand. However, if your job puts you at risk of injuring yourself, it’s vital that you consider taking out a policy. If […]

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What is GAP Insurance and How Does it Work?

Insurance refers to a financial service that is available to individuals or groups. Given the number of different insurances available, such as automobile, life, and health insurance, it would seem prudent for consumers to understand what each one does before committing themselves to purchase any. GAP insurance, short for the term “Guaranteed Auto Protection,” is […]

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Insurance Claim Being Denied? How to Take Control of the Situation

No one ever wants to make an insurance claim, but when something happens, and you need to file a claim, it is important to know what to do. Too often, people have their claims denied because they don’t understand the process or they don’t take control of the situation like they should. This article will […]

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Insurance Fraud Statistics

The website has an interesting article on insurance fraud. Check it out with the link at the bottom of this page. Here are the opening paragraphs: Insurance can be an amazing tool to protect your assets and integrity. Unfortunately, given the nature of this type of contract, abuse and fraud are fairly common. That’s […]

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Most Popular Types of Insurance

Many people find paying for insurance a bore. You might think that paying monthly payments for insurance is expensive, and you often do not use it. However, you are only one accident or sickness away from a financial crisis. It is better to pay for insurance and not need it than to not pay for […]

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How Wealthy Hospitals Profit From Patients in Auto Wrecks

Scores of wealthy hospitals have quietly used hospital lien laws to increase revenue, often at the expense of low-income people. The practice of bypassing insurers to pursue full charges from accident victims’ settlements has become routine in major health systems across the country, court records and interviews show. Read Article: The New York Times From […]

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Protecting Your Mental Health While Struggling With Insurance Companies

When you are dealing with emotional trauma and mental anguish following an accident, dealing with a difficult insurance company can exacerbate your symptoms and have a severe impact on your mental health and wellbeing. Though you deserve compensation for your injuries, your health should be your number one priority. Never put yourself in a position […]

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Bob Kraft

I am a Dallas, Texas lawyer who has had the privilege of helping thousands of clients since 1971 in the areas of Personal Injury law and Social Security Disability.

About This Blog

The title of this blog reflects my attitude toward those government agencies and insurance companies that routinely mistreat injured or disabled people. As a Dallas, Texas lawyer, I've spent more than 45 years trying to help those poor folk, and I have been frustrated daily by the actions of the people on the other side of their claims. (Sorry if I offended you...)

If you find this type of information interesting or helpful, please visit my law firm's main website at You will find many more articles and links. Thank you for your time.

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