Structured Settlements 4Real®Blog 2026

Structured settlements expert John Darer reviews the latest structured settlements and settlement planning information and news, and provides expert opinion and highly regarded commentary. that is spicy, Informative, irreverent and effective for over 20 years.

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The STRUCTURED SETTLEMENTS 4REAL® Blog is a highly regarded source for structured settlement news, information, and commentary, led by structured settlement and settlement planning subect mater expert John Darer CLU ChFC MSSC CeFT RSP CLTC. With two decades of operation, the blog and 4structures.com are recognized as comprehensive resources, offering detailed guides and specialized insights. Established in 2005, the blog caters to a broad audience, including legal professionals, injured individuals, families, and various stakeholders, providing reviews and opinions on settlement planning. John Darer, President of 4structures.com LLC, is a seasoned structured settlement expert with over 40 years of financial services experience and 31 years specializing in structured settlements. Based in Stamford, CT, he is a Certified Financial Transitionist and Registered Settlement Planner, holding insurance licenses in 45 states and the District of Columbia. John Darer is dedicated to transparency and advocacy, he emphasizes the importance of engaging trained and licensed professionals for settlement planning, offering valuable insights through his investigative journalism and professional commentary.

“Auto Bodily Injury Dog Bites”

by John Darer CLU ChFC CSSC RSP

Didn't your grammar school teacher tell you that a misplaced comma could render a whole new meaning to a sentence or phrase?

Indeed,  a "Selective" misplaced comma has given part of a settlement consultant's website a new conundrum.

When asked if "Ebel" to "NAME SOME EXAMPLES OR SETTLEMENTS THAT WOULD FALL UNDER SECTION 104 (a)(2)" ( a section of the Internal Revenue Code that provides a tax exclusion for certain types of damages) the company responds with, among other un- "comman" answers:

  • Auto bodily injury dog bites  
    • Is this where you placed your untethered, unmuzzled dog on your lap whilst driving and he bit you-the result being a car accident and bodily injury to you and others?  OR,
    • You first cracked up your car, the forward momentum causing the untethered and unmuzzled mutt to fly forward and sink his fangs into you; OR simply
    • Bodily injury caused by an auto and /or bodily injury caused by a dog bite?

Catch my drift?

Car_crash_smoking_lg_clr  Dog bite hand

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