Issues encountered by people filing personal injury claims fall into three categories: (1) Liability (who is at fault and the extent to which they are to blame for the accident), (2) Damages (including personal injuries and damage to vehicles and property), and (3) Insurance Coverage (what the insurance companies are willing to pay to compensate the injured parties). Carelessness and negligence are sometimes to blame, and in the worst cases, accidents are caused by recklessness or even intent to harm.