By David McCollum When you or someone you love gets injured as the result of another person's negligence, it seems fair that the person who caused the injury should compensate you for your injury. Most people believe that the majority of insurance companies that insure their defendant drivers will do the fair and just thing, and offer the injured victim a fair settlement. The reality, however, is that most insurance companies and their defendants refuse to take responsibility for their actions. In fact, its most common these days for the insurance companies to blame the victims for their own injuries. Insurance companies profit exclusively from paying as little as possible to injury victims. Insurance companies and the defense attorneys they hire know the law and have almost unlimited assets to fight claims even if they are perfectly legitimate. Those companies know that most everyday Americans and unrepresented injury victims are not knowledgeable about the full extents of t...