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Archive for Auto Accidents

Good Clients!

Monday, December 12th, 2011

When I first started practicing law, an old defense attorney grinned at me and said, “When the law is on your side, argue the law. When the facts are on your side, argue the facts. When neither the law nor the facts are on your side, then you just pound the table”.

The longer I practice, the more that I see defense lawyers and insurance companies attacking my client.  I just heard an adjuster attack a client on a dog bite case.

A neighbor’s  Rottweiler mix dog snarled and barked whenever someone was near the yard. Witnesses will say that they were scared to go near the yard and would walk far around it. The facts of the case started with the client taking her little dog out to her own backyard and putting it on a leash while she was hanging up clothes. The neighbor dog broke through the fence that separated their two yards.

The neighbor dog went right for the client’s little dog and began attacking it. The client reactively ran to protect her dog and pull it out of the grasp and jaws of the Rottweiler mix. While doing that, the neighbor dog bit her in the face and caused significant tearing and ultimate facial scarring that cannot be repaired.

The insurance adjuster blamed the client for breaking up the dog attack. The adjuster felt that the client contributed to her own injuries. Thankfully, her dog was saved after some veterinary treatment.

Secondly, the adjuster argued in settlement discussions that the client would not present well because she had some facial hair and was overweight. ”She already didn’t take care of herself and the jury won’t like it”.

The client doesn’t have any anger toward her neighbor, despite expressing concerns about the dog growling across the fence, before this attack.  She is mainly worried about how she will get her medical bills paid.

Another client called today to check on the status of his case. During the conversation, he told about just coming back after a week in Kentucky. He had gone down there with his church to help in a project of gift giving for kids that would otherwise receive nothing at Christmas. His thoughts were more on them than his own issues from his crash.

In both cases, I still hold out hope that the cases will settle without the necessity of trial. I also know that both clients would present well to a jury, just because they both have a good heart . They  make me proud to represent them. In both cases, all the other side can do is “pound on the table”.

With a bad dog story, I thought that pic o’ day should be of some fun Holiday Dogs!

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Insurance Price Now, Worry Later?

Monday, June 6th, 2011

     I remember reading a story about F. W. Woolworth (that’s my way in trying to give credit without source) opening its first store. At the time, it was a new concept to open a 5 and 10 store, which supposedly meant that you could really buy something for a nickel and a dime.

     When the Woolworth’s opened, a competitor across the street hung out a sign that said, “THIS SAME SPOT FOR FIFTY YEARS”.  In response, Woolworth decided to spin it by also hanging their own sign that said, “A WEEK OLD. NO OLD STOCK”.

     I just received a monthly “Media and Advertising ” blog from the NY Times online edition. It tells about a new business that has just come to market, that calls itself “StarGreetz”.

     StarGreetz is a social media company that interacts with people through social media like email, videos, ringtones and greetings. Celebrities are paid to record messages that speak names and then deliver messages.  An animated Cinderella might contact by phone or email; Or, Joe Namath or Reba McIntire may be on a message that says “Hey (insert your name), this is Joe Namath or Reba calling. Don’t forget about the sale at Target”.

     In the world of insurance advertising, the only thing that the insurance ads  seem to focus on is pricing. No advertisement discusses what happens after we get the coverage.

     Part of the process is that no one really thinks that they are going to cause an accident by not paying attention. Plus, if they are in an accident, it’s only because someone else is at fault and that person better have insurance.

     The advertising is like Woolworth’s. Spin it for maximum attention. The insurance companies are all trying to get our attention on why their price is better. They “reward good drivers” or they “take a snapshot”,  or “15 minutes could save you”.

     There’s nothing about what happens when you try to get help from the call center. Or, why can’t you get a rental car, and why are they insistent on you providing three estimates, or going to the body shop that they tell you to go to.

     All of a sudden, that price thing doesn’t matter a whole lot if all you are really getting is a card that says that you have coverage. It kinda feels like the fake importance of a celebrity calling. The celebrity may get our attention, like a lower price quote; but in reality, there is no substance there when it comes to needing coverage and service. 

     Most probably believe that price is the only thing that matters. If the law didn’t require coverage, they might not even carry it. Insurance companies have figured out that price is our hot button and, apparently, that’s all that they advertise and focus on for consumers.

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You Want My Insurance Card?

Wednesday, September 29th, 2010

      American Express ran an advertising campaign that ended each commercial with, “The American Express Card, don’t leave home without it”. Now, there is a new report that has been issued by the US Census Bureau, that indicates that Virginians are doing the exact oppositie with their car insurance; They are leaving home without it.

     According to estimates released on Tuesday (Pilot article), the number of uninsured adults under the age of 65, has increased; And, in Tidewater,the Census estimates that the increase in uninsured drivers has grown more than 10% between 2008 and 2009.  In college towns, the estimated uninsured that are driving automobiles, could be has high as 1/4 of all drivers. 

     In tough economic times, people make hard choices. We have heard politicians repeat stories that include breaking up medicine, to take half a pill, because the medication costs too much. Dentists tell me that getting teeth cleaned, has taken low priority. McDonald’s is thriving, while other restaurants report their sales to be way down. 

     Fast Food eating is up because it is hard to eat for less than a dollar, even at home. That’s  a whole different blog there,to discuss fast food.  Just for reference, if you watch the movie “Food Inc.” , it may influence whether you stop for that quick meal on the way home.

     All these personal cut backs normally only impact the person making those choices. Auto insurance is different. I have done some previous blogs on stepping up your insurance, but this is a good reminder blog, now with these Census statistics just out. I’m guessing that this isn’t a surprise, though.

     Over the course of a few years, and certainly within the last few months, I have received calls from people with significant injuries from car crashes. They can’t understand why, with their injuries, that the insurance company is only offering 25K. Regularly, I tell them that 25K  is the only available coverage and that the person that hit them, probably has no assets. ”But what about my bills and injuries?’ they say. “That doesn’t even cover my bills.”

     When you look at drivers around you in traffic, you are probably seeing several uninsured drivers. Car insurance is not considered a survival expense. Unless they get “pulled” for some traffic offense, they are playing the odds that no insurance and no insurance card just doesn’t matter. Again, I hope you will call your insurance agent today and step up your uninsured /underinsured coverage. Protect your personal assets in claims against you,  and protect yourself from the uninsured.

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Virginia Fraud Fighters

Wednesday, May 12th, 2010

     The prospective client called and asked if we would meet him at his business.  “Of course”, I said, since we advertise that “we will come to you”. Upon arrival, we asked to see “Jim”. (I use that name for confidentiality and I once heard a story about a mule named Jim)

     Prospective client “Jim” came walking out, from behind his counter. He had a sledge hammer in his hand. That caught my attention and I half wondered if he thought that was how to negotiate a legal fee.  He asked if we wanted to see his car first, before discussing the case. We followed him to the parking lot. Then, he began to raise the sledgehammer toward the car bumper and asked how much damage we wanted to his car, “to make the case worth more”.

     Needless to say, except for the frightening memory of that event, I have no other story to tell about that case, as we quickly found ourselves travelling down the highway, without a client. I left him, his case and his sledgehammer behind.  

     The Virginia State Police are running a full page advertisement in the newspaper  that honors eight of Virginia’s top fraud fighters. Each of the recipients of the Fraud Fighter Awards have taken some action  to stop insurance fraud. They correctly state that, ultimately, everyone pays a price for insurance fraud. That’s why, when I see a mention of insurance fraud, my mind goes back to that sledgehammer story. I wonder if “Jim” is still out there. I suspect that he got rewarded in a way that he didn’t expect.

     Conversely, when I see campaigns against insurance fraud, I wonder why there is no mention of insurance companies or adjusters, who have committed fraud this past year. In my experience, it’s not just a one way street. Collecting premiums, with an intent to figure out a way to keep from making payment to the insured, also constitutes fraud.

     Virginia has a code section (8.01-66.1) that deals with insurance companies that deal in bad faith. In my practice,  I see it. For instance, I recently submitted  different medical payment packages to the same insurance company, on behalf of  different clients. The packages included the full billing, coding and all information relating to the treatment. In fact, the coverages were the clients’, since these three carried medical payment coverage on their car insurance. Medical payment coverage is an elective coverage that costs a small extra premium, to help pay medical bills resulting from a car crash, without consideration as to who is at fault.

     In these  submitted packages, a form letter came back that basically said something to the effect that no payment was forthcoming, until all information about the bills was submitted that related to when the treatment occurred and what kind of treatment was included. Of course, these original packages had correctly included such information. This insurance company apparently had come up with the idea to delay payments by sending out these “we need more information” letters.

     I wrote a form letter response to the three different adjusters that had sent these form letters. I reminded them of the package that had been sent, that had included all the information that had been requested in the “delay payment letter”. My letter may have also said something about preserving all evidence and their file, so I could document their bad faith handling, at a later date. I might have even sarcastically asked for the middle initial of the adjuster on the letter, so I could make sure that the “fraud plaque” I was sending, would properly show the full name. OK, maybe I’m getting a bit revved up. Imagine,  full payment checks showed up within 7 days, without any other explanation.

     The point of this blog is that insurance fraud is bad. It hurts deserving clients and it logically causes premiums to increase.  However, I don’t think that insurance companies should get a free pass on their conduct either. A quick google of insurance bad faith brings up a lot of examples of insurance companies not acting in good faith. As I have said in a few prior blogs, the fight continues! I wonder what ever happened to Jim the Mule?

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Categories : Auto Accidents
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Oscar the Cat

Tuesday, March 9th, 2010

In my closing arguments at trial, I am usually grappling with how to best express the mental anguish that my client has suffered. Some think that this type of damage is a creation of trial lawyers. However, I recently saw a book that describes the importance of solace to a family.

"Making Rounds With Oscar" is a book about a cat who provides comfort to families, as well as nursing home residents. Oscar lives in a Rhode Island nursing home and apparently has a sixth sense about when a resident is near death. As a result, this cat sits vigil until the end.

Dr David Dosa published an article in the New England Journal of Medicine which has now become a book.  It describes Oscar who has lived his entire life on the 41 bed advanced dementia unit.   The staff noticed that Oscar was making visits to residents on the third floor, shortly before his first birthday.

 Oscar’s appearances coincided with the deaths of terminal patients who were on the third floor. The passing of residents on the third floor was not unexpected, due to the advanced condition of residents on the floor; however, Oscar’s visits proved to coincide with a resident’s final hours.  Except for these visits, Oscar was nowhere to be found.

  According to the book, In time, the staff, at the nursing home, began to rely on Oscar as an “early warning system”, announcing to those present that it was time to notify family and increase hospice services for those where Oscar was sitting vigil. For his service to the patients, a local Hospice organization even awarded Oscar with their annual “Hospice Champion” award.

 Mental anguish is an element of damage in accident cases that usually transcends the damage of the medical bills or some outside scarring. The inside scarring may not be seen and may go untreated, while other injuries are so prevalent.  In this book, modern medicine even recognizes God's creation as a source of comfort, even if that comfort comes in the form of Oscar the cat. 

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Categories : Auto Accidents
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