These situations have presented complicated situations that result in insurance companies arguing amongst each other over which insurance company should pay for medical bills, lost wages, replacement services and attendant care. They get even more complicated when the employer has no workers’ compensation insurance. Many times there are clauses in insurance policies that insurance companies use to deny claims when vehicles are involved in work related accidents. William Stern has extensive experience in analyzing and pursuing such claims. The law many times requires the injured person to pursue the claim against the employer in the workers’ compensation bureau at the same time that a claim is pursued in other venues, such as the circuit court.