Justice, Delivered.
The Insurance Fair Conduct Act?
Ruiz & Smart trial lawyer Isaac Ruiz wrote the book on it—literally.
His book helps lawyers across the state seek justice in court on behalf of policyholders, including many with serious injuries.
Chapter 1 is available for you to read here.
Why Ruiz & Smart?
Behind virtually every major case stands an enormous company—or multiple companies—using vast resources and aggressive tactics to evade accountability.
Ruiz & Smart was built from the ground up to expose negligence, fraud, and abuse, and to hold powerful interests responsible for the harm they cause.
This is not a fight you should face alone.
Referrals from our past clients are the greatest honor
Our clients’ successes are fuel for our continued pursuit of justice.
Past clients are the backbone of Ruiz & Smart. We are grateful when they share our work with family and friends who need help.
How do I know if I need to talk to an attorney?
If you’ve been injured or lost a loved one because of someone else’s actions—whether in a car crash, on dangerous property, through medical care, or another incident—it’s worth speaking with a personal injury attorney. You may be facing medical bills, lost income, pain, or pressure from insurance companies, and an attorney can help you understand your rights and what you’re entitled to.
You don’t have to figure it out alone. A consultation is usually free, and a qualified attorney can help you sort out key questions like:
Who’s responsible for what happened?
Which insurance company should be paying your bills?
Should you give a statement or sign anything?
Is a settlement offer fair—or are you being rushed into something?
If you’re even thinking about whether you should talk to an attorney, either pick up the phone to call us or fill our our contact form. It costs you nothing. Why risk it?
How much is my case worth?
Every case is unique. The value depends on factors like who was at fault, the extent of your injuries, and what insurance coverage is available. Your lawyer will consider your medical bills, lost income, pain and suffering, and how your life has changed due to the injury. As your case progresses and we gather more evidence, we’ll be better able to estimate its value.
If an insurance company denies your claim, there is the possibility of recovering punitive damages as well.
Give us a call or reach out using our contact form, and we can start the work to maximize your recovery.
Will my case definitely go to court?
We are trial lawyers at heart, and we work up each case as if it will be tried to a jury. But the truth is that some cases do not need to go to court. Many cases settle through negotiation, without needing to go to trial. But if the insurance company won’t offer fair compensation, we may recommend going to court. If that happens, we’ll prepare you thoroughly and be by your side every step of the way.
How long will my case take?
It depends. If your injuries are still being treated or there’s a dispute about who’s at fault, the case may take longer. Some cases resolve in a few months, but others—especially those that go to court—can take a year or more. We’ll keep you updated at every step and explain what’s happening behind the scenes so you’re never left in the dark. The more we know about your case, the better estimate we can give you about how long it could last.
What does it cost to hire a personal injury lawyer or an insurance bad faith lawyer?
Most personal injury and insurance bad faith lawyers, including us, work on a contingency fee. That means you pay nothing upfront—we only get paid if we win money for you. The fee is typically a percentage of the recovery, and we’ll explain all of this clearly in our agreement before we start your case.
Our call or meeting with you to learn more about your case is free.
Does Ruiz & Smart charge a fee when a consultation occurs?
No.
Does Ruiz & Smart handle cases on a contingent fee?
Yes, we handle most cases (including personal injury and insurance bad faith cases) on a contingent-fee basis. A contingent fee is when a lawyer only gets paid if they successfully recover money for their client through a settlement or court verdict. Instead of charging an hourly rate or a flat fee, the lawyer takes a percentage of the client’s recovery. If the case is lost, the client does not owe the lawyer any legal fees. Contingent-fee agreements are the industry standard in personal-injury cases.
How do I know that I can trust Ruiz & Smart?
Meet with us and judge for yourself. We welcome your hard questions.
Ruiz & Smart is built from the ground up to take on big corporations and insurance companies—who are behind virtually every case we handle, including personal-injury cases.
Our loyalties are never in question. As a matter of firm policy, Ruiz & Smart never advises or represents big corporations, governmental entities, insurance companies, or medical establishments.