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
Lawsuit Abuse Is Bankrupting Washington's Counties, and Taxpayers Are Paying the Bill
Washington's county insurance pool ended 2025 about $25.3 million short of covering its unpaid claims, as county lawsuit liabilities nearly doubled to $123 million and counties tap general funds meant for basic services.
New York's Staged Crash Crackdown Puts Fraudsters on Notice
A State Police and DFS task force arrested 16 people accused of staging crashes and filing nearly $500,000 in fraudulent claims, as suspected auto fraud reports climb 80 percent since 2020.
Mamdani Administration Sues a Personal Injury Firm Over Alleged Phony Injury Claims
New York City has filed an 80-page RICO lawsuit against Asher & Associates, alleging the firm blamed the city's roadways for injuries clients told doctors happened another way.
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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