When attorneys evaluate personal injuries, there are three major components to consider, sometimes referred to as each “leg” of the “stool”/case. Leg 1…. Liability: The at fault party must be legally liable by breaking a rule; Leg 2…. Damages are caused by the at fault party breaking the rule(s); and Leg 3….Insurance Coverage: There must be adequate insurance coverage to cover the damages caused by the at fault party breaking the rule(s), unless the at fault party is a large corporation or party with significant assets to cover the losses. But generally speaking, if one of the legs to the stool does not stand, the case will not stand.