Protecting consumers from a legal system rigged against them.
PACT is a national nonprofit exposing how predatory billboard personal-injury lawyers exploit accident victims and drive up the cost of living for every American household.
The Latest from PACT
Press coverage, PACT original videos, and reform updates that put the issue in focus.
How Wall Street profits when personal injury lawsuits pay out – The New York Times
Legal funders bundle plaintiffs’ debt into Wall Street securities — and the people with the least power pay the most.
USAA to return nearly $1 billion to Florida members as tort reform delivers real results.
USAA CEO Juan Andrade: “This is really all about tort reform in the state of Florida.”
No one deserves to be victimized by personal-injury attorneys who exploit loopholes in an unregulated system that drives up costs for everyone. We’re committed to a legal system that protects rather than exploits, because consumers deserve a justice system they can trust.
Two PACT projects, built for the people the system exploits.
Standalone platforms — practical guidance for the moment after a crash, and a place for victims to put their own story on the record.
Before You Call That Lawyer
Practical guidance for victims on navigating the immediate aftermath of an accident without falling prey to settlement mills.
Your Injury Story
First-hand accounts from consumers whose lives were complicated by aggressive legal marketing and predatory contracts.
The cost of an unregulated system.
Annual per-household cost
of America's broken U.S. legal system, paid by every family.
Source: Institute for Legal Reform (ILR), 11/24
Total cost to the U.S. economy
of America's broken legal system in 2022 — 2.1% of total GDP.
Source: Institute for Legal Reform (ILR), 11/24
Billboard-lawyer ad spend
spent in 2023 on 26 million+ TV, radio, print, and billboard ads across the U.S.
Source: American Tort Reform Association (ATRA), 3/24
Where lawsuit abuse is winning, and where consumers are fighting back.
These are the states where the fight is most active — proven reform wins, and documented fraud rings driving up costs for everyone else. Click a state for the story.
States delivering measurable savings after enacting meaningful tort, venue, or legal-advertising reforms.
States with documented legal-fraud rings, organized staged-crash conspiracies, or entrenched lawsuit abuse.
States where reform activity has not yet reached national attention, though efforts are advancing in many.
The costs do not stop with the lawsuit.
PACT tracks the fallout where consumers actually feel it: higher premiums, aggressive ad saturation, pressure on family budgets, and the everyday expenses that absorb the cost of lawsuit abuse.
Latest dispatches
PACT’s “In Their Own Words” Returns with Story of California Woman Who Lost Nearly 60% of Her Settlement
Second installment features Evelyn Vasquez de Navarrette, whose lawyers took out a $70,000 loan in her name without her consent.
Court Documents: When a Fender Bender Becomes Five Surgeries
A Queens highway crash with no reported injuries became the foundation for what court filings now allege was a coordinated medical fraud scheme, five surgeries, and a legal bill built to extract maximum value.
How Wall Street Profits When Personal Injury Lawsuits Pay Out
A New York Times investigation by Ellen Gabler finds that consumer legal funders are bundling cash advances to personal injury plaintiffs into asset-backed securities — more than two dozen deals since 2020 raising $2.8 billion — with advances carrying 35 to 45 percent annual fees and interest, fueling demand for more and higher-value cases as fraud and racketeering allegations mount.
Has a personal-injury firm taken advantage of your claim?
Your experience helps us build the case for national reform. Every story is handled with strict confidentiality.
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