In our daily life we all could suffer some kind of damage to our honor or property, or physical injury. The damage could be caused by natural phenomena, a third-party's actions or pure ill luck, etc. In many occasions, we can establish the person responsible for the damage or injury and we can demand compensation from them. In other cases no company or person can be determined. Then we can ask for total compensation from third parties such as insurance companies. Being the most frequent ones, we have ample experience, among others, in damage and injury claims due to: