I had a boating accident (I was a passenger) in 2001. I heard terrible stories from people who had hired lawyers and ended up with nothing. I bought this book and after 2 years of medical procedures & appointments, when I was done, I composed a letter requesting $85,000 from the insurance company (who had already been paying all my medical bills), State Farm. The policy was for $100,000 and the boat owner had only made one month's payment. I figured I would negotiate down to $65,000 minimum. I reasoned that if I ended up having to get a lawyer, I would ask for the $100,000 and end up with $66,000 (lawyer would get 30 percent). With my letter, documentation and before, during and after pictures, State Farm ended up awarding me $90,000. $5,000 more than I had requested. I highly recommend this book, but you must be thorough and patient. It's a lot of "legwork". A lot of research and stuff, but who knows your "pain and suffering" better than you. Certainly not a lawyer!!! The money is gone, but I used it to keep my paralyzed 83 year old mom at home with a caregiver until she passed away!