Texas built a reform legacy. Nuclear verdicts and foreign-funded litigation are pulling it back.
The Texas Department of Insurance recovered $58M+ in restitution in 2024. Third-party litigation funders — some tied to overseas backers — keep targeting Texas industries. The 2027 session decides whether Texas reclaims the lead.
The Latest from PACT
Press coverage, PACT original videos, and reform updates that put the issue in focus.
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.
Texas built a reform legacy — but nuclear verdicts, third-party litigation funding, and organized fraud rings are pulling it back into the danger zone.
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 Texas coverage
- July 14, 2026Mass Tort Firms Accused of Using AI to Solicit Clients Without ConsentThe billboard attorney playbook has a new tool: artificial intelligence. A federal lawsuit filed last week in the Western District of Texas reveals how far some personal injury firms are willing to go to fill their client pipelines, and…Read
- June 5, 2026State Bar Expands Case Against Downtown LA Law Group, Deepening Pattern of Consumer AbuseThe legal troubles surrounding Downtown LA Law Group (DTLA) continue to mount. The State Bar of California has expanded its disciplinary case against the prominent personal injury firm, filing new charges against founding partners Daniel…Read
- April 8, 2026Harris County’s Insurance Crisis Can be Addressed with Lawsuit Abuse ReformsMore Harris County drivers are going without auto insurance as prices spiral out of reach. As ABC13 reported, a new study by Texas Appleseed and United Way of Greater Houston found that auto insurance costs rose 23.8% in 2022 and 25.5% in…Read
Latest dispatches
Insurance Fraud Is Costing You $300 a Year, and New York Is Fighting Back
Staged car crashes aren’t accidents. They’re premeditated schemes designed to defraud insurers and pass the costs on to everyday consumers. We’ve seen these repeatedly in New York from a Suffolk County court ruling exposing coordinated…
PACT Launches “In Their Own Words,” New Video Series Giving Victims of Lawsuit Abuse a Voice
First installment features a victim whose family’s settlement was stolen by the attorney they trusted most
Florida Proves Lawsuit Reform Works. The Rest of America Is Still Waiting.
A new analysis from insurance marketplace The Zebra confirms the quiet part out loud: lawsuit abuse is a primary driver of America’s car insurance crisis, and the states that have acted to reform their legal systems are already seeing…
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