You're stopped at a light on the Long Island Expressway when an SUV runs a red and T-bones the driver's side of your sedan. You're crossing a street in Long Island City and a box truck makes a fast right turn and knocks you under the bumper. You're a steamfitter working off a scaffold platform when a load shifts and you fall twelve feet onto a stack of pipe. In each scenario, the emergency room finds the same constellation of injuries — a shattered pelvis, internal bleeding,