Sacramento · Elk Grove · Galt

I know how insurance companies think.
Now I use that knowledge for you.

I spent over a decade working inside the insurance industry. I understand how claims are evaluated, where payouts get reduced, and the strategies used to minimize what you're owed. Now I use that experience to fight for you.

$0
Upfront cost to you
No win,
no fee
Contingency representation
10+
Years inside the insurance industry
Michelle N. Collins, Esq. — Sacramento Personal Injury Attorney
Insurance Industry Experience Over a decade inside the industry — now fighting for you
You Pay Nothing Unless We Win No upfront fees, no hourly billing — ever
Direct Attorney Access Your case stays with Michelle — never handed off to staff
Michelle N. Collins, Esq.
Michelle N. Collins, Esq. Personal Injury Attorney · Sacramento
Your Attorney

I spent years inside the insurance industry — now I use that experience for you.

Before becoming an attorney, I spent more than a decade working in the insurance industry. I understand how claims are processed, how settlements are calculated, and the tactics used to reduce what injured people receive. That insider perspective gives my clients a real advantage.

When I take your case, I'm not guessing at what the insurance company will do — I've seen it from the inside. That experience shapes how I build your case, what evidence I prioritize, and how I negotiate on your behalf.

10+ years of insurance industry experience
California State Bar — Active member
No win, no fee — contingency representation
Spanish-speaking staff available
What We Handle

Practice Areas

🚗

Auto Accidents

🚛

Truck Accidents

🏍️

Motorcycle Accidents

🚲

Bicycle Accidents

⚠️

Slip & Falls

🚶

Pedestrian Accidents

🐕

Dog Attacks

🚌

Bus Accidents

🚕

Uber & Lyft Accidents

Getting Started

Three steps. Zero risk.

01

Schedule Your Consultation

No cost, no commitment. We'll review your situation and tell you exactly where you stand.

02

Share What Happened

Walk me through your case. I'll identify what your claim is worth and explain your options in plain language.

03

We Fight. You Heal.

I handle the insurance company while you focus on recovery. You pay nothing unless we win.

Client Feedback

What clients say

★ ★ ★ ★ ★

"Michelle helped with the research and registration for our business trademark. She was very helpful, informative and knew exactly what we needed to have a successful registration. I am proud to display our US trademark certificate at our office knowing we are protected as a business."

M.S. — Business Owner
★ ★ ★ ★ ★

"Working with Michelle was a great experience. She was very professional, knowledgeable and compassionate. She returned my calls and emails promptly and was always punctual to our meetings. I would recommend her to my family and friends."

C.K. — Client

Looking for trademark protection?

We also help businesses register and protect their trademarks, copyrights, and intellectual property.

Visit Collins IP Law →
Common Questions

Still have questions?

Every case is different. Schedule a consultation and I'll answer everything specific to your situation.

Book a Consultation
Nothing upfront. Personal injury cases are handled on contingency — I only get paid if I recover money for you. No win, no fee, no exceptions.
Value depends on your medical treatment, future care needs, lost income, and how the injury affects your daily life. I look at both economic losses (bills, lost wages, property) and non-economic losses (pain, suffering, loss of enjoyment). Don't let an insurer tell you what it's worth before talking to me.
Your own UM/UIM coverage may step in. California requires insurers to offer it — it mirrors your bodily injury limits and can cover you when the at-fault driver can't. It's one of the most important protections you can carry.
It depends on medical treatment, fault disputes, and whether a lawsuit is necessary. Some cases settle within months of completing treatment. I move cases forward aggressively — without sacrificing the value of your claim.
Most personal injury lawsuits: 2 years from the date of injury. Claims against a city, county, or state agency: you typically must file a government claim within 6 months first. Don't wait — deadlines are firm.
Most cases settle before trial. But I prepare every case as if it will go to court — because that preparation is exactly what gets insurance companies to take your claim seriously and pay more.

Injured? You deserve someone who understands the system.

Schedule a consultation and I'll tell you exactly where you stand — no obligation to move forward.

Start Your Case Review Call 916.520.4040

You pay nothing unless we win. No upfront costs. No risk.

Get in Touch

Tell me what happened

⏱ We respond within 24 hours — usually same day.

We're here when you need us

Every call goes to a real person. We respond promptly — because when you've been injured, waiting is the last thing you should have to do.

📞
Phone 916.520.4040
✉️
🗣️
Languages English · Spanish-speaking staff available