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
New Poll: New Yorkers Are Done with the Scaffold Law. Albany Should Listen.
A new Empire Center statewide poll finds overwhelming, bipartisan support for lawsuit abuse reform in New York — from prosecuting staged-accident fraud to overhauling the 150-year-old Scaffold Law.
Florida's $3 Billion Proof: Lawsuit Abuse Reform Works
A new independent study finds Florida policyholders paid nearly $3 billion less for home and auto insurance in 2025 than in 2024 — a direct result of the state's landmark lawsuit abuse reforms.
Texans Are Paying a Hidden Tax. Lawsuit Abuse Reform Can Change That.
Excessive litigation costs the average Texas household an estimated $4,594 a year. With the 90th legislative session ahead, lawmakers have a clear opportunity to put families first.
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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