Waiting up to 10 years is unacceptable for a fair and equitable settlement, only to be worse off by end of a court case. Currently, the only other option is to be "low balled" by insurer and accept typically 10% of claim value.
There are loopholes and no penalties for "bad faith" practices by employers under ERISA (Employee Benefit Plans) . And, currently employers pay out 20% of disability policies. This leaves the majority of injured living in poverty, having only their Social Security Disability as income.
Auto Insurance Companies use their $500/hour attorneys and in-house resources to delay, reduce, or eliminate legitimate claims. The injured are disillusioned regarding the fairness of the auto insurance claim process.
Mr. President, injured need Insured Civil Rights.