Rose Knows Law

10/05/2026

Doctors: Energy Drinks Pose Risk to Children

A coalition of doctors is urging the NCAA and Big 12 to reconsider energy-drink marketing to young people after the death of 16-year-old Davis Cripe, who suffered a fatal heart rhythm problem after consuming an energy drink in 2017. Doctors warn that high caffeine levels can cause abnormal heart rhythms, increased heart rate, high blood pressure, seizures and other serious problems. The concern comes as energy drinks remain popular among teens—about 18% to 23% of middle and high school students report drinking them daily. Some products contain up to 300 mg of caffeine, while the American Academy of Pediatrics recommends no more than 100 mg a day for ages 12–18 and discourages caffeine for younger children. Doctors say children may be particularly vulnerable, especially those with underlying conditions, and warn that energy drinks should not be viewed as sports drinks.

LAURA UNGAR, AP Medical Writer, Houston Chronicle 10/4/2026

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10/02/2026

What a busy summer season! We are going strong here at RoseKnowsLaw, helping clients and making a difference. We have filed several lawsuits so far this year, and settled many of those cases because the insurance companies know that we can push them to make their best offer. Case example I just got off the phone with a wonderful client injured in a car wreck back in 2024. After getting an initial $14,000 offer from the adjuster for her claim, we filed a lawsuit, exchanged discovery and prepared for trial. After some tense negotiations, we turned a first offer of $14,000.00 into a 6 figure settlement. So glad to help another client with getting what she deserves from doing nothing wrong other than being hit by a negligent driver.

08/10/2026

You’re in a Car Crash. Will Your Insurance Actually Pay?

Americans were involved in more than 6 million traffic crashes last year, and insurers closed 45% of auto liability and medical claims without a payment, according to a Wall Street Journal analysis of thousands of regulatory filings. That was up from about 35% a decade ago. Claims involving damage to the insured vehicle were more likely to result in payment, with fewer than one in four closed without a payout. Liability and medical claims are generally more complex, more expensive and more likely to involve disputes. Insurers are also scrutinizing whether policyholders have disclosed all household drivers. In one case, a California driver's $5,000 claim was denied after a minor crash because his 15-year-old son, who was not in the vehicle and did not have a license, was not listed on the policy. The driver is now part of a class-action lawsuit, and the insurer denies wrongdoing. The analysis also found significant differences by state. Drivers in Hawaii and California were nearly twice as likely to have a resolved claim end without payment as drivers in Michigan. Among the 10 largest auto insurers, Farmers, Liberty Mutual and State Farm had the largest increases in no-payment rates for liability and medical claims over the past decade.

Jean Eaglesham and Jaclyn Jeffrey-Wilensky, Wall Street Journal

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05/08/2026

I concluded another PI settlement this morning at the courthouse. It took a little while to get there, but we finally got Progressive insurance to pay for my clients injury sustained from a car wreck.  Good settlement, satisfied Client - great conclusion.

If you need help with a personal injury case or civil litigation, feel free to give me a call .



05/04/2026

Study: Insurers Are Overcharging

A new analysis from the Vanderbilt Policy Accelerator claims Americans are overpaying for insurance by about $150 billion a year and calls for federal oversight to lower costs. The report finds insurers are paying out a smaller share of premiums than in past decades. In 2024, companies returned about 62 cents in claims for every $1 collected, down from roughly 80 cents in the 1980s and 1990s—fueling concerns that premiums are too high. Industry representatives push back, arguing higher rates reflect rising repair costs, climate-related risks, and recent financial losses. The analysis includes proposed legislative language for the federal government to set a higher loss ratio for insurers. Currently, state governments primarily regulate insurance, but a federal mandate would be harder for companies to challenge. The analysis further argues that insurers are using the premiums “to pay for corporate perks, corporate jets, stock-buy backs, excessive executive compensation, excessive dividends, excessive advertising, and excessive agent commissions.”

I don't think it takes a Vanderbilt study for us to know this! We keep fighting with the insurance companies every day. Let me know if you need help.

04/16/2026

GRACO Car Seat recall:
Graco has issued a voluntary recall for its SnugRide Turn & Slide Infant Car Seat following the discovery of a structural defect during laboratory testing. The recall affects a specific range of products sold in the United States between January and March 2026 through major retailers, including Amazon, Target, Walmart, and Babylist. According to the company, the issue involves the seat base and not the stroller components of related travel systems. The company is advising consumers to immediately stop using the recalled seats and to register online for a free replacement. Graco emphasized that customers should not return the items to retail stores. Affected model numbers include the SnugRide Turn & Slide Rotating Infant Car Seat (2231806, 2231809, 2231881, 2231884, 2231885, 2231887), the standalone rotating base (2231810), and the seat base included with the Modes Nest Travel System (2243083).