EPISODE · Jan 30, 2026 · 28 MIN
Behind the Policy: How Insurance Rules Shape Justice Across State Lines With Rose Harper
from It’s Time For Moore Injury Funding · host Laura Moore
Auto insurance policy limits, PIP, and UIM coverage can determine the outcome of a personal injury case - often before an accident ever happens.In this episode of It’s Time For Moore Injury Funding, host Laura Moore, Founder & CEO of Moore Injury Funding, sits down with Rose Harper, Esq., a personal injury trial attorney licensed in Pennsylvania, New Jersey, and New York, to explain how state-specific auto insurance laws and policy limit disclosure rules shape injury claims, settlements, and access to justice.We break down:• Policy limit disclosure laws in Pennsylvania vs. New York and New Jersey• How lack of disclosure affects personal injury settlements and litigation strategy• Whether non-disclosure favors insurance companies over injured plaintiffs• How insurers operate differently in disclosure vs. non-disclosure states• Why choosing the right auto insurance policy limits matters more than people realize• PIP (Personal Injury Protection) and UIM (Underinsured Motorist) coverage explained• How insurance choices made years earlier can cap or compromise injury compensationRose also shares her personal experience as a car accident victim, offering insight into how lived experience strengthens client advocacy and valuation of long-term injuries beyond medical records.Filmed while Rose is in Atlanta for Women in Leadership by Betty, led by Betty Aquino, this conversation highlights leadership, transparency, and fairness in personal injury law and insurance practices.🎤 Stay tuned for the pop-up question at the end.🔔 Subscribe for expert discussions on legal funding, personal injury law, insurance coverage, and financial justice.👍 Like & Share to help accident victims understand their rights before they need a lawyer.For more information ab out the Rose Harper Law, visit the following sources:Website: https://roseharperlaw.com/LinkedIn: https://www.linkedin.com/company/roseharperlaw/Instagram: https://www.instagram.com/roseharperlaw/YouTube: https://www.youtube.com/@UCpjRZXhefFtO31lmGV6baFATikTok: https://www.tiktok.com/@roseharperlaw?_t=8rhDZAmEhG3&_r=1Facebook: https://www.facebook.com/RoseHarperLaw/Pinterest: https://www.pinterest.com/roseharperlaw/For more information about Moore Injury Funding, visit here:Website: https://mooreinjuryfunding.com/YouTube: https://www.youtube.com/@mooreinjuryfunding/podcastsInstagram: https://www.instagram.com/mooreinjuryfunding/LinkedIn: https://www.linkedin.com/in/moore-injury-funding-09290a265/TikTok: https://www.tiktok.com/@mooreinjuryfundingFacebook: https://www.facebook.com/mooreinjuryfundingPinterest: https://www.pinterest.com/MooreInjuryFunding/
What this episode covers
Auto insurance policy limits, PIP, and UIM coverage can determine the outcome of a personal injury case - often before an accident ever happens.In this episode of It’s Time For Moore Injury Funding, host Laura Moore, Founder & CEO of Moore Injury Funding, sits down with Rose Harper, Esq., a personal injury trial attorney licensed in Pennsylvania, New Jersey, and New York, to explain how state-specific auto insurance laws and policy limit disclosure rules shape injury claims, settlements, and access to justice.We break down:• Policy limit disclosure laws in Pennsylvania vs. New York and New Jersey• How lack of disclosure affects personal injury settlements and litigation strategy• Whether non-disclosure favors insurance companies over injured plaintiffs• How insurers operate differently in disclosure vs. non-disclosure states• Why choosing the right auto insurance policy limits matters more than people realize• PIP (Personal Injury Protection) and UIM (Underinsured Motorist) coverage explained• How insurance choices made years earlier can cap or compromise injury compensationRose also shares her personal experience as a car accident victim, offering insight into how lived experience strengthens client advocacy and valuation of long-term injuries beyond medical records.Filmed while Rose is in Atlanta for Women in Leadership by Betty, led by Betty Aquino, this conversation highlights leadership, transparency, and fairness in personal injury law and insurance practices.🎤 Stay tuned for the pop-up question at the end.🔔 Subscribe for expert discussions on legal funding, personal injury law, insurance coverage, and financial justice.👍 Like & Share to help accident victims understand their rights before they need a lawyer.For more information ab out the Rose Harper Law, visit the following sources:Website: https://roseharperlaw.com/LinkedIn: https://www.linkedin.com/company/roseharperlaw/Instagram: https://www.instagram.com/roseharperlaw/YouTube: https://www.youtube.com/@UCpjRZXhefFtO31lmGV6baFATikTok: https://www.tiktok.com/@roseharperlaw?_t=8rhDZAmEhG3&_r=1Facebook: https://www.facebook.com/RoseHarperLaw/Pinterest: https://www.pinterest.com/roseharperlaw/For more information about Moore Injury Funding, visit here:Website: https://mooreinjuryfunding.com/YouTube: https://www.youtube.com/@mooreinjuryfunding/podcastsInstagram: https://www.instagram.com/mooreinjuryfunding/LinkedIn: https://www.linkedin.com/in/moore-injury-funding-09290a265/TikTok: https://www.tiktok.com/@mooreinjuryfundingFacebook: https://www.facebook.com/mooreinjuryfundingPinterest: https://www.pinterest.com/MooreInjuryFunding/
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Behind the Policy: How Insurance Rules Shape Justice Across State Lines With Rose Harper
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