By Muraad Tayab Shah ( November 5, 2026, 1:42 PM EST) -- Imagine you have just been in a serious car crash. Your car is a write-off, you are in pain, and you have never made an insurance claim before. The next day, you call your insurer to report the damage to your vehicle. You assume that if you are entitled to anything else, your insurer will tell you. Months later, after paying for treatment out of your own pocket, you learn from a paralegal that you were entitled to accident benefits all along....