1. Did you suffer a physical injury, property loss, wrongful job action, or financial harm?

Yes — I suffered direct measurable injury, wage loss, or property damage No — Potential hazard/unfairness without monetary or physical harm

2. Was another party's negligence, intentional act, or contract breach involved?

Yes — Another driver, employer, property owner, or contractor was at fault Unsure / Disputed — Fault is shared or under investigation No — Pure accident without identifiable third-party fault

3. When did this event or harm occur?

Within the past 12 months (Well within statute of limitations) 1 to 3 years ago (Approaching filing deadlines in many states) Over 3 years ago (High risk of statute expiration)

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