Oh, that it wasn’t so, but today’s world of insurance claims adjusting, subrogation, and civil litigation rewards the ability of one party to take advantage of what the other party doesn’t know. A civil trial is known as an “adversary proceeding” because it pits two or more opponents against one another with regard to a legal conflict, contest, or dispute. The American system of civil justice becomes a factual search for the truth and the application of law to that truth. If one party is unaware of the law, including each and every legal claim, defense, exception, argument, loophole, and opportunity available, they are at a distinct disadvantage.