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As a former Special Investigations Claims Manager I guarantee you that insurance carriers have access to data bases that will reveal whether or not you have had previous claims and/or injuries. There are such entities as professional plaintiffs who by filing numerous frivolous claims, the cost of which are passed on to ALL of us as insurance consumers. Insurance Fraud is a thing.
Dr. Brad Bradshaw Legal Team ? ? can a citizen sue a street gang who cause injury ? who pays for that victim medical bills, pain and suffering, rent or Mortgage, lost of wages, credit card, utility bills, etc. ? Think of it like being in a car accident, that's cause by somebody else and you getting injured but except you getting jumped or shot by a street gang and end up in the same place as a car accident victim, "the hospital".