Around 20 to 50 million people get into car accidents around the world every year. In the United States alone, the National Safety Council estimates more than 30,000 road crashes daily. While no one wants to be in a car accident, you always have to be prudent and prepare for the worse every time you…

Note these alarming facts: The Journal of American Medical Association (JAMA) counts negligence—right behind cancer and heart disease—as the third leading cause of death in the United States. In 2012 alone, over $3 billion was paid out for medical malpractice, which averages at a payout every 43 minutes.