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With the summer Olympic games underway, “going for the gold” seems like an opportune topic. However, many policyholders are not seeking a medal these days but rather money from insurers. In fact, a new personal injury lawsuit is filed every two seconds in the United States, making it the most litigious nation on earth.

It is estimated that each year, Americans pay upwards of $2,000 per person in the form of a hidden litigation tax to cover the costs associated with the litigation that is overwhelming courts and insurance carriers. While litigation comes in all shapes and sizes, the five most frequent causes of litigation are as follows:

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