One of the biggest myths put out by anti lawsuit groups is the idea that personal injury claims cost small business owners billions of dollars each year. This just isn't true. Personal injury claims filed against businesses or individuals who have harmed innocent victims are one of the only types of lawsuits filed where the defendant usually pays NOTHING to defend. For defendants who have insurance, when a claim is made the insurance company pays all of the attorney's fees, all of the litigation costs, and typically all of the damages awarded. Some insurance policies even reimburse defendants for time they miss from work.