It is December, a time for presents and invitations to year-end parties. And nothing else says the holidays quite like the unexpected delivery of a wrapped gift, delivered straight to your door and, at times, placed directly in your hands.

Someone may be sealing the envelope right now on a special delivery to an insurance professional. But it isn't Santa, aided by his trusty elves–it's a plaintiff's lawyer, aided by his trusty process servers. Though Christmas comes but once a year, litigation in America knows and respects no season; it's pretty much a year-round event.

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