R Higgins & Associates makes dealings with the Insurance Co. seem like a picnic, which it's not!False promises; non-disclosure of client's Rights & of contract; unreturned phone calls; reimbursement discouraged; and no bartering for higher settlement. Finally, after a year of surgery and therapy, it will take the firm 4 to 9 months to settle; moreover, another 8 to 10+ months for the client to receive their merger portion of it.