You must prove three key elements. First, the product had a defect that made it unreasonably dangerous. Second, this defect existed when the product left the defendant’s control. Third, the defect directly caused your injury while you were using the product in a normal or foreseeable way. Preserving the product and documenting your injuries is critical evidence. These claims often rely on expert testimony to explain the defect.

Photos taken immediately after an incident capture the scene in its most accurate, unaltered state. This preserves crucial evidence before anything can be moved, cleaned, or repaired. Timely photos provide an objective record that supports your account of what happened, countering any later claims that conditions were different. They are often the most powerful and indisputable evidence you can collect, establishing the facts before memories fade or stories change.

This coverage protects you if you’re hit by a driver with no insurance or insufficient limits to cover your injuries or damage. Uninsured Motorist (UM) pays for your medical bills, lost wages, and pain and suffering. Underinsured Motorist (UIM) kicks in when the at-fault driver’s limits are too low. It is highly recommended, as it is your only recourse against irresponsible drivers. In many states, it is required to be offered, and you must formally reject it in writing if you don’t want it.