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My Child Was Hit by a School Bus With No Insurance – How We Collected $4.1 Million Using 6 Hidden Sources in 2025
September 9, 2025 – 2:47 p.m., Gwinnett County, Georgia. My 7-year-old daughter Lily is walking home from the bus stop with her 5-year-old brother. A 2023 Thomas Built school bus (privately contracted by the county) blows through the flashing red stop sign and strikes Lily at 31 mph. Driver claims she “didn’t see the lights.”
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Hit by a Company Car That “Wasn’t on the Clock” – The 2025 Loophole That Paid My Family $2.3 Million
July 19, 2025 – 6:58 p.m., Peachtree Industrial Blvd, Norcross, Georgia. I’m driving my wife and two kids (ages 6 and 9) home from Six Flags. A white 2024 Ford F-150 with “Southern Plumbing Solutions” magnets on the doors runs a red light and T-bones us at 58 mph. Driver jumps out in a company
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Pregnant at 38 Weeks and Rear-Ended by a Texting Driver – How We Turned $30K Insurance Into $1.9 Million in 2025
January 28, 2025 – 4:42 p.m., I-75 south of Tampa, Florida. I’m 38 weeks + 4 days pregnant with our first son, Noah. Traffic slows to a crawl. I’m stopped for 12 full seconds. A 24-year-old TikTok-obsessed driver in a 2018 Kia Optima never looks up and hits us at 51 mph. His insurance: Florida
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I Was Hit by a Drunk Teen Driver With Only $15K Insurance at 2 A.M. – How We Still Collected $1.4 Million in 2025
October 12, 2025 – 2:17 a.m., Katy Freeway, Houston, Texas. My wife Jessica (7 months pregnant) and I are driving home from her baby shower. A black 2011 BMW 328i doing 94 mph in a 65 zone crosses three lanes and slams into the driver’s side of our 2023 Honda CR-V. The 19-year-old driver staggers
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Hit by a DoorDash/Uber Eats Driver With Only $50K Coverage? How Victims Are Collecting $200K–$1.2M+ in 2025
November 2025 – Miami, Florida. I’m stopped at a red light. A DoorDash driver in a 2014 Honda Civic runs the light at 52 mph while looking at the app and T-bones me. His insurance? Only the $50K/$100K DoorDash commercial policy that activates when he’s “on a delivery.” Most people get $35–$48K and disappear. I
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Hit by a Rental Car With Only Minimum Insurance? How I Turned a $25K Policy Into $328,000 in 2025
August 3, 2025 – Las Vegas Strip, Nevada. I’m stopped at a light in my personal Honda Accord. A 2025 Hertz Toyota Camry with Florida plates rear-ends me at 38 mph. Driver rented it 4 hours earlier with only the Nevada state-minimum $25K/$50K coverage. Most victims would’ve received $18–$22K and called it a day. I
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I Was Hit by a Stolen Car With No Insurance – How I Still Got $312,000 in 2025 (Step-by-Step Playbook)
June 17, 2025 – Dallas, Texas. I’m stopped at a red light in my 2022 Toyota Camry. A 2019 stolen Dodge Charger runs the light at 67 mph and T-bones me. Driver jumps out and runs. Police recover the car 4 days later — reported stolen 11 days earlier. Zero insurance. Most people would’ve walked
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Hit by an Uninsured Driver With a Fake Paper Tag? How Victims Are Still Collecting $75K–$400K+ in 2025
In 2025, police in California, Texas, Florida, Georgia, and New York are pulling over 500–800 cars per week with completely fake paper tags printed at home or bought on Telegram for $50. These drivers almost never have insurance. If one just smashed into you, most people think: “I’m screwed — no insurance, no money.” Actually…
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Rear-Ended by a Police Car: The Settlement Secrets No One Talks About (2025 Real Cases & Numbers)
You’re stopped at a light. Red and blue lights in your mirror… then BAM — a police cruiser slams into your rear end. In 2025, this happens over 9,000 times per year in the U.S. (per NHTSA police vehicle crash data). Most victims take the first low-ball offer because “you can’t sue the police,” right?
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Rear-Ended While Stopped at a Red Light Camera: Does the Ticket Help or Hurt Your Claim in 2025?
In 2025, over 480 U.S. cities still use red-light cameras (and speed cameras). If someone rear-ends you at one of these intersections, you’ve basically won a secret bonus round most victims never cash in on. Here’s why that little flash + mailed ticket can add $25,000 – $150,000+ to your settlement — and exactly how