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Plaintiff attorneys are employing multiple strategies to initiate more lawsuits, drive up litigation expenses and settlements, and secure higher verdicts.

"We went in and did this form of alternative dispute resolution, ... and they said, 'We're not paying. We want to present our defenses,'" plaintiff counsel said about Heritage Property and Casualty Co.

While these scams often sound like the work of amateur fraudsters, a recent $31M scheme proves otherwise.

The case involves an engineer's report that was the focus of the breach-of-contract action.

Progressive admitted liability but contested the damages arguing that two years after the crash, the plaintiff was well enough to compete in horseback riding competitions and the injuries were not severe.

In one case, the jury awarded the plaintiff $18,284.65 in economic damages and $400,000 in non-economic damages.

The insurer refused the claim because it determined that the hurricane caused only minor damage to the property, and that the cost of any repairs was less than the insurance policy's deductible.

The two cases provide a unique chance to look at how workers' comp plays out in pro sports and why it is the least desirable route to recovery for players.